You may be renting a house or a condominium unit but you still need insurance. Insurance for renters is a necessity. Don’t assume that your landlord has the insurance for the building.

Chances are the policy of your landlord does not cover your personal property. So if something happens to your personal property, you would have to shell out so much money to have these replaced.

Just picture it. What if your apartment building is burned down or a thief breaks into the town house you are staying? What if your home gets flooded? These incidences are so unavoidable. Sometimes they just come as a surprise. Insurance for renters is highly recommended to all those who rent their homes because it lets them sleep more soundly at night.

If you don’t have insurance for renters, you will have no coverage for the personal property you lose or the assets you possess that have been damaged. With insurance for renters, you can protect your belongings as well as yourself, just in case you find yourself in situations such as these.

Even if you’re not a home owner, you still own property in the place you rent. The least you can do is protect your assets. Most people think that they don’t have to do these with their property because it’s not enough to qualify for an application for insurance for renters.

But what do they have to lose? Properties just don’t mean cars or homes. They can actually insure your belongings such as your furniture, clothes, entertainment systems, computers, musical or sporting equipments, and jewelry.

But they have to check whether the insurance for renters apply to them. The renter’s policy states exactly what are insured and what aren’t. In the insurance circle, this is commonly known as the “named peril.”
These are situations that they consider to be eligible for them to cover your loss. These are lightning or fire, smoke, windstorm, theft, malicious mischief, vandalism, and accidental discharge of water such as flood or sewer damage.

The insurance for renters has the coverage that includes the liability protection. This is when the insurance company covers injuries of another person to the property of their customers. If needed, the insurance will also pay for the legal bills in this situation.
It also cover medical payments if the people who are injured within your property even if they do not live with you. In order for you to fully understood the conditions of the insurance for renters, talk to your insurance agent.

Source by Ricky Lim

The sole purpose of an auto insurance company is to protect you as well as your family in the event of an accident. However unfortunately many auto insurance company’s gouge the average consumer in the wallet when offering auto insurance quotes to customers.  We have implemented a new strategy to offer cheap auto insurance quotes to our website visitors at http://www.auto-insurance-company.com/get_a_quote.htm

When looking for auto insurance quotes you must look for multiple sources to find your auto insurance quote online. Finding a free auto insurance quote is easier than you think through comparison shopping sites. We recommend you obtain your auto car insurance quote for your automobile insurance from a reputable vendor that has a long lasting history. You can learn more about auto insurance company’s and how they treat consumers at resources like the BBB. Below you will find some resources to find an auto insurance rate quote and comparison. No matter whether you are looking for a florida auto insurance quote, nj auto insurance quote or mexico auto insurance quote, we can help.

When finding an auto insurance company quote, you must look to a reliable source. We recommend looking for insurance comparison shopping. You can search google to find Comparison Auto Insurance shopping sites.

Tired of paying top dollar for an auto insurance company’s to fatten their wallets? We understand completely. We help you find cheap auto insurance company’s and cheap auto insurance quotes easily online.

When you shop for your auto insurance company online, we will help you to find great resources for comparison auto insurance quotes and more.

Helping connect you with auto insurance company’s online. Automobile insurance companies are often times priced and it can be hard to find a cheap auto insurance company. We recommend comparison shopping for finding affordable deals on an auto insurance company online. Auto owners insurance is needed for the average consumer. Without being covered, you are risking personal losses. So do some research and fund an auto insurance company quote. Auto car insurance company’s out there can be found on a local basis. Such as state auto insurance company’s, or else you can find major auto insurance company’s like Geigo, Progressive, State Farm, Farmers, and more. Auto insurance company ratings can be found easily searching the internet. This can help you to find the best auto insurance company around.

Insurance shopping just got easier. Go to our Cheap Auto Insurance Company Quote page for more information. We help you to find low cost auto insurance, cheap auto insurance and more. Offering insurance quotes to these states.

Anchorage Alaska New Orleans Louisiana Cincinnati Ohio Montgomery Alabama Boston Massachusetts Tulsa Oklahoma Little Rock Arkansas Baltimore Maryland Portland Oregon Phoenix Arizona Portland Maine Philadelphia Pennsylvania Los Angeles California Detroit Michigan Providence Rhode Island Denver Colorado Duluth Minnesota Charleston South Carolina Hartford Connecticut Branson Missouri Sioux Falls South Dakota Wilmington Delaware Jackson Mississippi Nashville Tennessee Orlando Florida Bozeman Montana Houston Texas Atlanta Georgia Charlotte North Carolina Salt Lake City Utah Honolulu Hawaii Fargo North Dakota Burlington Vermont Des Moines Iowa Omaha Nebraska Richmond Virginia Boise Idaho Portsmouth New Hampshire Seattle Washington Chicago Illinois Newark New Jersey Milwaukee Wisconsin Indianapolis Indiana Albuquerque New Mexico Charleston West Virginia Kansas City Kansas Las Vegas Nevada Cheyenne Wyoming Lexington Kentucky New York New York Washington DC

Auto Insurance Company

Source by Joel Mclaughlin

Farming is a massive operation. Having farmer insurance is most necessary when you consider all the risk involved in owning and running a farm. Farm insurance can help protect you from the loss of a bad crop or the unforeseen disaster of the loss of a heard. Tragedy strikes at inconvenient times, but thankfully there is protection available.

Regardless of whether you inherited your farming business through your family, or decided to take the plunge and start a farm, the costs involved are enormous and the loss of a crop due to frost or hail can be devastating. Farmer insurance acts as protection against complete financial ruin if the unforeseen happens. Not only are crops and animals at risk, but the equipment needed for operation is also very costly. The term ‘farming’ encompasses many types of farm operation; thankfully there is farmer insurance available for each source of revenue.

Farmer insurance covers many potential incidents. Not only does it cover many accidents that may occur on the farm, but it guards against possible litigation. For instance, a consumer could purchase a jar of your jam, get ill and then decide to sue your business. Farmer insurance not only helps cover you in this instance, but will represent you in court if need be. A common policy coverage also involves accidents while operating your farm equipment or performing farming duties. When you stop to think about it, there truly are many ways that a farm is endangered to liability.

Available Farmer Insurance

Before choosing farmer insurance there are factors that must be considered. The most important issue is the type of farm that you operate. Also, how is business commenced? It may be best to write a list and include how many people you employ, the amount and types of equipment that need to be insured and possible liabilities that worry you. The following is a general list of items that need to be insured when operating a farmer.

Crop Insurance: Crop-yield and crop revenue are big concerns to farmers. Since the outcome of the crop determines the livelihood of the entire farm, coverage for the crop is paramount. Farmer insurance generally covers loss due to natural causes. This may include bugs, pests and hazardous weather.

Farm Contents: Most farm equipment is quite costly and can run into the hundreds of thousands. You will want insurance that lists specific equipment individually and provides comprehensive coverage for your equipment. Some policies also cover loss of livestock because of electrocution.

Theft: Theft coverage is not limited to stolen machinery. Often time’s theft on a farm involves livestock including cows, sheep, goats and hogs.

Employers Liability Insurance: If a farmer has one employee, he or she will need liability insurance. The employee needs not to be full-time, they can be an occasional work-hand, but accidents happen and this insurance will cover many potential liabilities.

Fatal Injury of Livestock: Many companies offer farmer insurance that covers the loss of an animal either while on the farm or even while in transit. If an animal dies coverage generally is available for a maximum amount per animal and a maximum per accident. Even working dogs, such as herding dogs, may be covered if fatally injured.

Sheep Coverage: This item helps to cover veterinary bills and loss of sheep due to injury or death.

Business Disruption: Farmer insurance will help protect a farmer when business costs either increase dramatically or profits are suddenly down due to unforeseen incidents.

Shipment of Goods: Your strawberries are safely on their way to market and boom, they’re gone. A loss of income due to crop damage while in transit is protected with this coverage. Loss of livestock is not covered under this coverage since animals are covered separately.

Personal Accident Coverage: If an accident that leads to injury occurs on a farm, this coverage protects against this. As a farmer you are entitled to a settlement if an injury occurs that effects your ability to run the farm as needed.

Personal House and Contents: The farmer’s residence and any additional buildings are covered. If specifically stated, the contents of the home may also be covered.

Summary:

When the protection of farm equipment, livestock and crops are in question, Farmer insurance must be purchased. Farmer insurance will safeguard against financial ruin due to unforeseen occurrences. Common coverage includes loss of income due to theft, crop failure and the death of livestock. A farmer’s personal home and contents are often included with this insurance. Farming is an important line of work and there is insurance available to help protect not only the farm, but the owner.

Source by Brooke Hayles

By T. Coffin

There are many things to consider before you purchase life insurance such as what your needs are, what is your budget for life insurance and what is the right policy type for your personal situation. Another very important thing to consider is the rating of the company that you purchase your policy from. The past few months have shown many of us that there are a few companies out there that have mishandled their finances and possibly put some of their policy holders at risk over the long term meaning that should the company go bankrupt or insolvent what are the possibilities of benefits being paid out in the future. It is something we all need to take a look at going forward. While these ratings do not offer a crystal ball look into the future they do help a person make sound decisions based on current and historical information available, which is the best any of us can do to manage risk.

The companies that come up with these ratings, (A.M. Best,  Standard & Poor’s, Moody’s and Fitch being some of the top names), are independent firms who look at an insurance companies financial strength to come up with their rating of that company. Basically these companies pay financial analyst to determine the strength of the company’s balance sheet in an attempt to come up with a strength rating that a consumer can more easily identify with.

There are multiple rating companies out in the market, each with a slightly different rating scale but the general idea is somewhat like a grading scale you would expect to see in school,  A++ or AAA being the best on down to the lows. It is the middle and low of these scales that differ slightly with each rating system. The different scales and their definitions are available on the web if you want to take a look. In this article we will assume that you will be looking at high ratings for your life insurance needs which means that anything less than an A rating will not do.

After deciding on the other factors that surround the purchase of Life Insurance, deciding on a company that offers the best financial strength should be a strong consideration in deciding what company to purchase your Life Insurance Product from. The good news is that many of the Life Insurance quote services have adopted this into their quotes, which makes it more efficient for the consumer. I would offer this as a last step though, with things changing quickly these days we owe it to ourselves to dig a little before making any purchases. Once you settle in on a company do a search of that company or product and see if there is any recent news on it weather it be positive or negative news, you will have as much or the current information possible to make a well informed decision.

Source by T. Coffin

The idea of a preferred provider organization is that the providers will provide the insured members of the group a substantial discount below their regularly-charged rates. This will be mutually beneficial in theory, as the insurer will be billed at a reduced rate when its insured utilize the services of the “preferred” provider and the provider will see an increase in its business as almost all insureds in the organization will use only providers who are members. Even the insured should benefit, as lower costs to the insurer should result in lower rates of increase in premiums. Preferred provider organizations themselves earn money by charging an access fee to the insurance company for the use of their network. They negotiate with providers to set fee schedules, and handle disputes between insurers and providers. PPOs can also contract with one another to strengthen their position in certain geographic areas without forming new relationships directly with providers.

What is a Health Savings Account (“HSA”)?

A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage costs, so the money that you save on insurance can therefore be put into the Health Savings Account.

You own and you control the money in your HSA. Decisions on how to spend the money are made by you without relying on a third party or a health insurer. You will also decide what types of investments to make with the money in the account in order to make it grow.

What Is a “High Deductible Health Plan” (HDHP)?

You must have an HDHP if you want to open an HSA. Sometimes referred to as a “catastrophic” health insurance plan, an HDHP is an inexpensive health insurance plan that generally doesn’t pay for the first several thousand dollars of health care expenses (i.e., your “deductible”) but will generally cover you after that. Of course, your HSA is available to help you pay for the expenses your plan does not cover.

For 2008, in order to qualify to open an HSA, your HDHP minimum deductible must be at least $1,100 (self-only coverage) or $2,200 (family coverage). The annual out-of-pocket (including deductibles and co-pays) for 2008 cannot exceed $5,600 (self-only coverage) or $11,200 (family coverage). HDHPs can have first dollar coverage (no deductible) for preventive care and apply higher out-of-pocket limits (and copays & coinsurance) for non-network services.

How can I get a Health Savings Account?

Consumers can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. Your employer may also set up a plan for employees as well.

How much does an HSA cost?

An HSA is not something you purchase; it’s a savings account into which you can deposit money on a tax-preferred basis. The only product you purchase with an HSA is a High Deductible Health Plan, an inexpensive plan that will cover you should your medical expenses exceed the funds you have in your HSA. However, HSA trustees often will charge fees for their services.

What is Short Term Health/Medical Insurance?

Short Term Health Insurance Defined:
Short term health insurance is health insurance coverage issued for a relatively short period of time. When you buy this type of policy, you can choose a period of coverage that may be as short as 30 days, or as long as 365 days (depending on state). Several deductible and coinsurance options are available, with the premium cost varying according to what features you choose. You customize your health insurance to meet your needs. Best of all, temporary plan coverage begins immediately!  Apply today and your coverage will begin as soon as tomorrow.  Short term health insurance is also referred to as short term medical insurance, temporary health insurance, temporary medical insurance or interim health / medical insurance.

What is Covered Under a Typical Short Term Health Plan:
Short term health insurance typically covers the same things as conventional, “permanent” major health insurance such as prescription drugs, hospitalization, emergency room, doctors’ services in hospital and in office etc. It does not cover dental care or optical care (except as it pertains to an accident or illness), normal pregnancy or childbirth, well childcare, sports injuries, pre-existing conditions, or care received outside the USA.

Who Can Use Short Term Health Insurance:
If you’re between jobs, a recent college graduate, or waiting on a new health plan to take effect, customized short term health insurance can provide you and your family with the security you need.  If you’re not sure if short term health insurance is right for you, here are a list of typical situations.

Who Can Use Short Term Health Coverage?

Does your health insurance need match any of the profiles below?

Are you…..

· Looking for an Affordable Alternative to COBRA?
Individuals not wishing to pay for expensive COBRA insurance can benefit from a less expensive customized health insurance plan.

· Working Freelance, Part-time or Contract Positions while Looking?
A temporary health plan is often a good option for freelance, part-time or contract workers looking for major medical coverage.

· No longer Eligible for Your Parents Insurance Plan?
Young adults no longer covered by their parents’ plan can often find affordable (and immediate) insurance coverage through a customized short term medical plan.

· Unemployed, Laid Off or Between Jobs?
If you’re unemployed or between jobs, short term health insurance is an affordable way to get immediate insurance coverage for you and your family?

· A College Graduate or Soon to Graduate?
Customized short term health insurance plans are ideal for college graduates because they’re affordable, offer immediate coverage and give you the piece of mind of insurance coverage while you job search and qualify for an employer-sponsored group insurance plan.

· Waiting for Employer-Sponsored Insurance Through Your New Job?
A short term health Insurance policy is a perfect way to affordably fill the gap between now and when your employer-sponsored plan takes effect.  Can you afford to go uninsured?

· Close to Being Eligible for Medicare?
If you’re within 6-12 months of becoming eligible for Medicare, short term health Insurance may be more affordable than your existing insurance plan.  Learn more here…

· Self-Employed or A Small Business Owner Looking to Save on Health Insurance?
Self-employed professionals and small business owners can save money by using temporary health insurance. A couple of ways are described.

· A Business Manager or Owner who uses Contract Associates?
This is a challenging situation because group insurance requires the employer-employee relationship. But short term medical insurance can be the solution.

· Looking for an Affordable Child-only Health Insurance Plan?
A child-only temporary health plan is often a good option for parents looking for major medical coverage only for their children.

Source by Al Ferriulo

Being a life insurance agent is not a plain job. One may use up the whole day conversing with prospects, but the ultimate result might be wearisome, more than ever if your consumer rejects you. Even if you manage to clarify the significance of your life insurance policies and are better to any other agent trying to get that prospect as a patron, it may not be enough to, at the end of the day, make s sale. That prospect may simply not desire to participate in any life insurance policy, he may seem to be listening but in truth is not even interested. Thus, you may be wasting your time attempting to sell a life insurance policy to people who don’t even care. You are just barking up at the wrong tree or shall we say beating around the bush.

A life insurance agent or policy provider should posess the talent to ascertain the people looking for or are open to life insurance policies. Life insurance leads are the way of avoiding putting time, money and effort to waste while attempting to sell to people by making no attempts closing deals with those who don’t have any intention to buy. Life insurance leads may be purchased via the Internet as there are thousands that can be located with just a few clicks. But take caution, Internet life insurance leads do not have exclusivity as they are being sold and resold over and over which means you will go through a great deal of competition in closing deals with these leads. A less risky and of higher quality, but more costly alternative to Internet life insurance leads are telemarketed life insurance leads. But what if you cannot afford to make those purchases of telemarketed life insurance leads regularly? Are you left with no other alternative but to turn to Internet life insurance leads or just go on and try generating your own leads? Well, there is a nice alternative one may consider, that is trying to have free life insurance leads.

Free life insurance leads generation means having a constant flow of prospects that you can set appointments with totally free. Usually, telemarketed life insurance leads are being sold on exclusive basis and are presented real-time to clients almost instantly after the online purchase has been received. If you are a life insurance agent, you can ask for referrals from the leads you already bought. The referral scheme will now become your free insurance leads generation system and the referrals your free insurance leads. Those that will be referred are probably open to searching the Internet for life insurance providers, and as a policy provider, it is of outmost magnitude that you make sure they get that life insurance policy from your company.

Always keep in mind that each life insurance lead you are in possession of equals more chances of making a life insurance policy sale. You can produce free life insurance leads from the insurance leads that you already have if you have that ability to blend in with people and build that tie with them and gain their trust. Most people would rather buy from insurance providers referred by people they know rather than those they just see in posters or the Internet. But, it is vital that you start contact with your free insurance leads as rapidly as possible, be it by phone or email. Do not waver to discuss with them more than oce in order to realize that wanted result of making a sale.

CallComLeads shall willingly provide you with more details on how to establish your own free life insurance leads generation referral system and can also provide you with high quality telemarketed life insurance leads you need to jumpstart getting free life insurance leads

CallComLeads can also provide the best telemarketed loss mitigation leads.

Source by Darewin Ocampo

High risk life insurance is a policy that is awarded to people who are not exactly of good health. Regular life insurance providers usually decline to provide policies to these types of individuals, as with a person suffering with AIDS, someone who had just had heart bypass surgery, and others who are presently experiencing health problems. This also apply to people with particulary risky lifestyle habits, such as skydiving, base jumping, and other dangerous preoccupations.

In the past, cheap life cover totally banned high-risk individuals from getting insured. It’s very good news that an insurance opportunity, although not as comprehensive as the regular policy, is now being offered and family’s of individuals now have a means of obtaining financial security after the policy holder has gone.

How Does High Risk Life Insurance Work?

Same as the regular life insurance policy, high risk life programs offer the face value of the policy to the individuals assigned beneficiaries. The difference, however, lies on when the policyholder dies.

If he or she passes on within a predetermined period of time, the benefits his or her dependents receive could only be limited to the premiums the individual has paid so far. If he or she dies beyond the predetermined time, then it is likely that the benefits will be larger. However, these all depend on the type of agreement made with the insurer.

Providers of this type of policy are very well-educated and informed about the policy holder’s health condition, as well his or her’s chances of survival. Thus, the premium payments for it are a lot higher than the non-high risk programs to account for the risk involved. If you are a rather healthy individual with a slate of hazardous hobbies, you also a candidate for the high risk classification. In determining the policy that would suit you best, your provider will ask several questions about your occupation and your activities and draft a policy that is tailor-fitted to your case.

Finding Cheap Providers of High Risk Life Insurance

If your regular insurance provider does not offer policies for high-risk individuals, don’t despair. There are insurance companies that actually specialise in high risk cases and would gladly offer assistance. If you’re looking to find cheap life insurance online, you can simply start by comparing life insurance quotes from various agencies and inquire about the ones that most interest you.

Remember, in shopping for a cheap life cover, your goal is still to provide the most comfortable standard of living as possible for your dependents after you’re gone. Thus, although a coverage may be cheap, you must never shortchange you or your family, or you’ll be defeating the purpose of obtaining an insurance package.

Some would advise that you do not reveal all elements in your life that would be classified as a ‘risk’ and bring out only the most obvious ones; but that’s a judgment call on your part and, in some cases, could be charged as fraud. Thus, read the fine print before you go looking for policy loopholes you can take advantage of. Better yet, have a professional walk you through the entire process so you’re sure you’re not doing something illegal.

Source by Neron Smith

Do you absolutely charge mobile phone insurance? The acknowledgment depends, of course, on a amount of altered factors including which adaptable you accept and how acceptable you are to lose or accident your adaptable – not to acknowledgment how abounding mobiles you’re talking about.

If you favor top of the band contemporary models, or accept accouchement who do, mobile phone insurance could be a advantageous investment. That doesn’t mean, however, that you charge to pay over the insurance for it. There are abounding analytic priced options for mobile phone insurance cover.

Why insure my mobile phone?

I’m consistently careful, you ability be thinking. “I will not leave it behind anywhere.” According to endure year’s abomination statistics, there are over 10,000 mobile phones stolen in the UK each month. Another 3,500 or so get larboard abaft on buses and trains or in cafes, and an around 1,200 cases are dropped. In all, about 15,000 mobile phones are appear lost, stolen or damaged anniversary and every month.

And the cost can put quite a dent in your budget. While you may have got your mobile free with your phone plan, the phone companies won’t replace your mobile for free or for 9.95. If you want to continue using your contract minutes – and you will be responsible for paying out the remainder of your contract – you’ll need to fork out the full price for a replacement phone. In addition, you could be liable for any call charges if your mobile was used before it’s loss is discovered. The cost of losing your mobile phone can easily top ?00. Have you got a spare ?00 sitting around?

Do I really need mobile phone insurance?

Perhaps not. Mobile phone insurance can cost you anywhere from 5 to 50 annually, depending on the insurance carrier that you choose. If you can reasonably replace your mobile phone for less than that, then mobile phone insurance is probably not a worthwhile expense for you. If you hae a replacement phone – perhaps left since your last upgrade – and your mobile provider still supports it, you may be fine without mobile insurance. In most cases, though, you’ll find that it can be worth the expense – especially if you shop around for competitively priced mobile phone insurance.

Tips for getting the best value mobile phone insurance

1. Don’t automatically accept mobile phone insurance when you buy your mobile. Those tend to be the priciest premiums of all.

2. If the salesperson or web site promises “Free Mobile Insurance” with all phones or with selected phones, be sure to check the details. In many cases, the cover is free for the first month. After the first month of cover, the regular premium will be tacked onto your mobile account charges, where you may not even realize you’re paying it.

3. Speaking of not realizing – are you already covered? If you’ve had the phone a bit and are just now thinking of insuring it, check the itemized details for your last account statement to be sure you’re not already paying for insurance.

4. Shop around the independent insurers. You can get economy cover for a mobile worth up to ?50 for as little as ?.49 per month – less than half what most of the major insurers are charging.

5. Consider an increase to your home and contents cover if you have many electronic and mobile devices that you carry with you. You can extend your contents insurance to cover your mobile devices, including your phone, PDA, PSP and other electronics when you take them out of your home.

6. Got a family of mobiles? Nearly 80% of the phones reported stolen or lost belong to teens. If you’re insuring more than one phone, look for a company that will cover multiple mobiles on one policy.

Source by Steve Long

Buying insurance can be confusing, and you may not know how much homeowners insurance you really need. In general, you should have enough insurance to …

* Rebuild your home if it’s destroyed.

* Replace the contents of your home if they’re ruined.

* Pay for you to live someplace else while your home is being repaired.

* Protect you in case someone is hurt in your home or on your property.

Rebuild Your Home

Ideally, you want to insure your home for 100% of its replacement value. This is not the same as the market value of the house and should not include the value of the land. It’s simply the amount it would cost to rebuild your house today.

If you’re not sure what the replacement value of your home is, you can ask a local real estate agent or home builder to give you an estimate.

Replace Your Contents

Most homeowner’s policies set coverage for the contents of your home at 50% of the amount of insurance you have on the house itself. Contents include clothing, furniture, appliances, kitchen utensils, jewelry, electronic equipment, tools, sports equipment, linens, etc.

You should take an inventory of your personal possessions so you know if 50% of your home coverage is enough. In addition, if you own jewelry, silverware, computers, collections, antiques, paintings, and other expensive items, you may need to purchase additional coverage for them as their may be a limit on their coverage.

Pay to live elsewhere

If your home is damaged, you may need to live someplace else while it’s being repaired. This part of your homeowners insurance covers hotel bills, restaurant bills, rental fees, and other living expenses related to living out of your home.

Protect Yourself

This part of your policy covers you in case someone is hurt in your house or on your property, or if something in or around your house causes property damage to another house. It also covers your legal expenses if you’re hauled into court for any of these things.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on homeowners insurance.

Source by ryan@thesatellitetvguide.com

The moment you walk into the car rental company, you are flooded with several options after having decided to rent a car. This leads many of us to stop and think, “Do we need to accept all of the various types of car rental insurance?” Well, you do not have to. Car rental insurance, for example, is optional in almost every state of the country barring Texas . There are, however, some points to be kept in mind.

Car rental agencies make a nice profit from the insurance coverage they offer you, so it is important to understand what each one does and to know which is worth actually buying.

1. Damage caused to the rented car: Among most car rental insurance agencies Loss Damage Waiver, known in short as LDW is the most common form. Irrespective of the manner in which the damage is caused, this covers only the damage caused to the rented car. For example, if the car collides with a tree then the damage will be considered but if the car collides with another car then the damage caused to the rented car will alone be considered.

When you rent a car, ask the agency whether they have a cover known as Loss Damage Insurance (LDI). Many smaller car rental agencies do offer it. The insurance cover is similar to another cover called LDW except that in LDI, a third party collects the fees.

Most car rental agencies are self-insured and pay monthly contributions to a communal fund that covers the claims for damages. For that reason, LDW is the preferable option because it covers the damages even if the car is damaged beyond repair.

LDW can be either complete or partial. Full Waiver, albeit with some variations, is what can be found on offers everywhere across America. In the case of Partial Waiver, the insurance coverage is limited to a certain dollar amount.

2. Coverage to other parties’ property and person: Coverage under Additional/Supplemental Liability Insurance (LIS or SLI) is set at a specific dollar amount (generally up to one million dollars). This coverage is for damages to other persons or their property, either by the policyholder or by another person authorized to drive by the policyholder.

3. Personal Effects: Insurance coverage called Personal Effects Protection (PEP) is extremely economical and important. This coverage typically covers accidents, theft and other losses you may sustain while traveling. Coverage is for a specified amount and can run around $2/day. Once you meet your deductible the insurance kicks in to cover up to the policy limit.

4. Personal Accident protection: This is another policy available at an economical fee of somewhere up to just five dollars to be paid per day. This provides insurance up to an amount of 100,000 dollars to the driver and more often than not, the complete travel entourage, in case of accidents while traveling by car. In addition, the driver whose name appears as the renter on the contract is usually covered every moment of the trip.  For those who do not possess travel insurance or haven’t gone in for personal medical insurance, this policy will prove very useful as it provides complete coverage during your travel. All those who do not live in the United States or those who travel abroad without personal travel insurance will do well to give this protection serious consideration.

Source by Stolen Article 1

New York Health Insurance
Health insurance is insurance that pays for all or part of a person’s health care bills. A health insurance policy is an annually renewable contract between an insurance company and an individual. With health insurance claims, the individual policy-holder pays a deductible plus co-payment (for instance, a hospital stay might require the first 1000 dollar of fees to be paid by the policy-holder plus 100 dollar per night stayed in hospital). Usually there is a maximum out-of-pocket payment for any single year, and there can be a lifetime maximum.

The purpose of health insurance is to help people cover their health care costs which usually include doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services.

According to the latest United States Census Bureau figures, around 85% of citizens have health insurance. 59.5% of these people receive their health insurance coverage through an employer, and about 9% purchase it directly from the market. Government sources cover 27.3% of the population. Those without health insurance coverage are expected to pay privately for medical services.

Types of New York Health Insurance (http://new-york.ixs.net/General/New-York-Health-Insurance/index.aspx ) The types of health insurance in New York are group health plans, individual plans, and government health plans such as Medicare and Medicaid. In the United States, government-funded Medicare programs help to insure the elderly and end stage renal disease patients.

Group Health Plans
A group health plan offers health care coverage for employers, student organizations, professional associations, religious organizations, and other groups. The employer may pay for part or all of the insurance cost (premium).

Individual and Family Health Insurance
Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. These types of health care plans are sold directly to individuals. For those of you who are unemployed or self-employed, an individual health insurance policy is always an option. Unfortunately rates for these policies are high and the coverage is usually less comprehensive than a managed care plan. The good news is that, in many cases, your insurance premium will be tax deductible. Of course, if you’re married, you can always try to catch a ride on your spouse’s group health insurance benefits plan.

Health insurance can be further classified into fee-for-service or indemnity (traditional insurance) and managed care. Both group and individual insurance plans can be either fee-for-service or managed care plans.

Managed Care Health Insurance
These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.

There are three main types of managed care plans:
• Health Maintenance Organizations (HMO)
• Point-of-Service (POS)
• Preferred Provider Organizations (PPO)

All of these plans offer substantial health insurance benefits to members and their families. If you’re fortunate enough to have a choice of plan, consider the advantages, and disadvantages, of each. Compare the cost of care, the difference in premiums, deductible amounts and your freedom to choose a doctor outside the plan. There are numerous other coverages to compare as well — from prescription drugs to dental to alternative therapies. Be sure you understand the fine points of each.

Indemnity or Fee-For-Service Plan
Normally it covers the same expenses as managed care. The difference is your doctor is paid for each visit with the claim filed by either the patient or the medical provider. A big advantage– unlike some managed care plans, Fee-for-Service allows the patient a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.

However, you’ll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.

Short-Term Health Insurance
Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care. It covers for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA (Health Insurance Portability and Accountability Act) Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise.

Medical Savings Account (MSA)
Medical savings account (MSA) is the most recent development in the area of health insurance. The principle behind the MSA is to take the bulk of the financial risk, and premium payments, away from the managed care and indemnity insurers, and allow individuals to save money, tax free, in a savings account for use for medical expenses. Individuals or their employers purchase major-medical policies, medical insurance policies with no coverage for medical expenses until the amount paid by the patient exceeds a predetermined maximum amount, such as 2500 dollar per year. These policies have extremely high deductibles and correspondingly low monthly premiums and the participants take the money that they would have spent on higher premiums and deposit it in an MSA. This money accrues through monthly deposits and also earns interest, and can be spent only to pay for medical care

What’s The Best Health Insurance Plan?
There is no one “best” plan for everyone. The best match for you and your family may be different than the best match for someone else. In order to help you answer this question, here are a few things to consider:

1. Are you going to need long-term coverage or just something for the short-term?
If you’re between jobs for 1-6 months, you may want to go for short-term coverage options. Alternatively, if you have no prospects of receiving group health insurance coverage through an employer, you may value the stability and increased benefits offered through an individual and family health insurance plan which will provide longer term coverage.

2. Are you looking for basic coverage or more comprehensive coverage?
Some insurance plans offer basic coverage (i.e., primarily inpatient hospitalization and outpatient surgery coverage) to cover you in case of a major accident or illness. These insurance plans typically have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate for people who intend to use their insurance primarily in the event of a serious accident or illness. Other insurance plans that offer more comprehensive coverage may include benefits such as preventative care, physician services, prescription drug benefits and routine office visits. These insurance plans typically have a higher monthly premium than plans that only offer basic coverage, and may be appropriate for people who intend to use their insurance on a regular basis.

3. Would you pay for your services before you use them or when you use them?
If you choose a health insurance plan with a low monthly premium, you’re likely to have a higher co-payment or deductible. If you don’t anticipate making frequent use of your health insurance coverage, a higher-deductible plan with a lower monthly premium may suit you best.

4. How important to you is easy access to specialists?
Health insurance plans that require you to coordinate your care through a primary care physician typically require that you obtain a referral before seeing a specialist. So, if you prefer easier access to specialists, you may wish to consider a different type of plan.

5. Do you have a specific doctor or hospital that you would like to visit for healthcare?
Some insurance plans utilize provider networks. Pay special attention to the network of doctors or facilities that each health insurance plan utilizes. Also note that networks utilized by health insurance plans can change, so there is no guarantee that your doctor will always be contracted with your chosen health insurance plan.

6. What is the most you could pay out in case of a serious illness or injury?
Health insurance plans typically place limits on how much a member is required to pay out per year for his or her healthcare. This limit is often referred to as an out-of-pocket maximum. Once you’ve contributed this maximum amount toward your healthcare, the health insurance company typically covers all other costs for the remainder of the benefit year. If you’re concerned about what may happen to you in case of a serious illness or injury, you may wish to pay special attention to the out-of-pocket maximums for the health insurance plans you’re considering.

No matter what insurance plan you may choose, educate yourself and understand all the basics of the health insurance before finalizing anything.

For more information about New York Health Insurance visit: http://new-york.ixs.net

Source by Maria

Purchasing auto insurance online is a great way and quick way to get the best auto insurance policy for your personal budget. However, there are always pros and cons to anything in life and picking the right company will determine whether or not you receive the best treatment when you have to prepare a claim. So how does one get a great auto policy from the internet?

The first way to check for a great quote is by going directly to the major auto insurance carrier websites. Each major insurance company such as GEICO, All-State, State Farm and Progressive have their own websites. You can apply for an online quote directly from their website and wait for their response. Progressive even states that they will display the competitor’s quotes next to their quote so if their quote is not the cheapest, then you will have ability to select a competitor’s quote. Remember to also check local company’s around your state. Each state will probably have an insurance company that covers a region of the United States. For example, in Washington, PEMCO is the major insurance provider for many people in the Pacific North West.

Another way to get great quotes is by performing a mass auto insurance search using the getquote.com site. The reason why you can benefit from using a massive search is because all you need to do is fill out a short application on the type of policy you want and the website will scour the internet for auto insurance providers who have a policy that fits your needs. This kind of takes the guess work out of figuring out what prices are available on the market as many insurance providers will give you a plethora of quotes and options.

Remember to have all your information ready including: social security number, address, make/model of car, year of the car, mileage car, estimate annual miles driven on car and the purpose of driving the vehicle. In addition to this information, make sure to research the types of coverage that you would like. Remember that full coverage auto insurance is always the best purchase and to weigh all aspects of your vehicle before making a purchase. Sometimes liability insurance is adequate depending on how much your vehicle is worth.

Source by CT Thompson

What is a car fleet insurance policy? Simple, it is a motor fleet insurance policy made up of purely cars with no mix of other vehicles such as vans or haulage trucks, taxis etc.

Many fleet insurance policies consist of just cars although the range of vehicles covered can be wide and varied such as combinations of:
High Performance Cars – Subaru’s, Mitsubishi , Evo’s, Lotus etc
High Value Cars – Aston Martin, Porsche, Rolls Royce etc
4 x 4’s – Land Rover, Porsche, BMW, Ford etc
Hatchback / Saloon Cars – Ford, BMW, Volkswagen, Audi etc
Environmentally Economic Cars – Toyota, Pirius, Honda’s etc

The list of cars would be endless but hopefully you start to get the impression that fleet insurance can cater for all types of vehicles!

Your fleet car insurance can also cater for any trailers you may need to attach to your cars, trips abroad, breakdown cover, uninsured loss recovery and fleet insurance experts will discuss with you your needs and suggest solutions which you may not have previously considered.

Car fleet insurance experts should advise and look after you and your company’s needs at all times.
You are as individual as are your car fleet insurance requirements – something you should remember when other fleet insurance brokers attempt to send you along a route you may not be comfortable with!

Finding the right Motor Fleet Insurance for your business can be a daunting task. Despite popular opinion there are various levels of cover you can request from your Fleet Insurance. Your Motor Fleet Insurance needs to provide the right cover for your vehicles as well as your drivers. There are three levels of cover you can choose from:

Comprehensive
Third Party Fire & Theft
Third Party Only

Some fleet insurance companies will also allow you to have varied cover on your fleet insurance policy.
In addition to this cover you can also be offered certain extensions to your motor fleet insurance policy which may include:

Windscreen cover
Breakdown Cover
Courtesy cars
Legal Expenses Insurance

You need to give careful consideration as to who will drive your vehicles as the higher the age restriction the larger the discount you will receive from your fleet insurance company. Some of the more common restrictions you can opt for are:

Any Licensed Driver Over 30
Any Licensed Driver Over 25
Any Licensed Driver Over 21

In addition, if you have particularly sporty or expensive cars to be covered by your fleet insurance you may wish to voluntarily restrict the driving age just for these vehicles. This is to demonstrate that you are not going to let your 18 year old apprentice drive your Porsche!

Finally your fleet insurance broker will need to know the type of use for your motor fleet insurance. Examples of these are as follows:

Haulage
Carriage of Own Goods
Private and / or Public Hire
Social Domestic & Pleasure use only (SD&P)
SD& P and Business Use
Carriage of hazardous Goods
Airport Side Use Extension

Hopefully reading this has made you more aware of the varying cover a fleet insurance policy can offer you and your business.

Source by Jackie De Burca

Take Ohio, where a young, healthy 25-year-old living in Columbus can purchase insurance from WellPoint today for about $52 per month in the individual market. WellPoint’s actuaries calculate the bill will rise to $79 because Democrats are going to require it to issue policies to anyone who applies, even if they’ve waited until they’re sick to buy insurance. Then they’ll also require the company to charge everyone nearly the same rate, bringing the premium to $134. Add in an extra $17, since Democrats will require higher benefit levels, and a share of the new health industry taxes ($6), and monthly premiums have risen to $157, a 199% boost.

Meanwhile, a 40-year-old husband and wife with two kids would see their premiums jump by 122%—to $737 from $332—while a small business with eight employees in Franklin County would see premiums climb by 86%.

The reason is simple, the silly mandates in the Baucus bill that require insurance to be equalized for everybody. As a man, you’ll be required to by a policy that covers pap smears and obstetrics. As a woman, you’ll be forced to buy a coverage that covers prostate exams. As a teetotaler, you’ll pay for substance abuse coverage. And so on. Also, everybody will have to pay the same rate. Imagine what would happen to your car insurance rates if you had to pay the same rate as a drunk driver with 19 DUI’s; because it was “fair.”

Also, insurance companies can no longer deny coverage based on pre-existing conditions. Imagine what your car insurance rates would be if someone could wreck a car and then buy insurance to pay to fix it.

Gay Patriot makes the comprehensive point:

We’re going to pass a health care plan written by a committee whose head says he doesn’t understand it, passed by a Congress that hasn’t read it but exempts themselves from it, signed by a president that also hasn’t read it, and who smokes, with funding administered by a Treasury chief who didn’t  pay his taxes, overseen by a surgeon general who is obese, and financed by a country that’s nearly broke.

Sounds about right.

Source by chris walker

In the United States, every car that is driven on public roads, highways or freeways need to have car insurance. There are countless car insurance options available to drivers. Each insurance coverage offers something that adds benefit and protection to the car driving public. One such motor vehicle insurance policy is Physical Damage Coverage otherwise known as comprehensive car insurance. There are many benefits in purchasing a comprehensive car insurance policy for your motor vehicle and we will examine some of the better benefits to owning comprehensive car insurance.

Imagine you park your brand new BMW and head off to a restaurant to enjoy a nice dinner. When you come outside you notice your car is not in the same place that you left it. This is a scenario that happens to countless people daily in the United States. In a case like this, if you have comprehensive insurance you can set your mind at ease as your car would be covered in the event of theft. This allows you to replace on of your prized possessions without having to purchase a brand new car. Many people have insurance coverage’s that do not cover theft. In their case, they have to replace the car with their own out of pocket expense.

Acts of God can strike at anytime and comprehensive insurance is the best form of insurance to have in the case these acts so happen to come and damage or destroy your motor vehicle. You can have your car parked at your house and depending on your geographic region, a storm, flood or hurricane could come and destroy your car. With comprehensive insurance coverage you can have peace of mind that the insurance company will repair or replace your car, as you are insured. Without this insurance you would be on your own, if the car needed to be repaired.

Comprehensive insurance covers your car if it hits or is hit by another vehicle. This is very helpful as you do not have to worry about huge out of pocket expenses in the event that someone hits or damages your car or vice versa. With driving in today’s society you have to be looking out for not only you, but other drivers on the road. The odds are there that the more time you spend on the road, the higher the chances of being in accident. With comprehensive insurance you need not worry if you meet in an accident as both parties are covered and the thought of paying for damage to your or another persons car need not cross your mind.

Out of the many car insurance coverage’s available, the comprehensive choice offers one of the best in terms of benefits. If you treasure your car and it is stolen, comprehensive coverage will cover the cost to replacing your stolen vehicle. At any time an Act of God can strike and leave you helpless, if you are covered you need not worry as the insurance will replace or repair your damaged vehicle. This is one of the best insurance coverage’s to own and its benefit far outweighs its cost.

Source by james dalton

No one really thinks of fraud being a major agribusiness concern. But when a Georgia-based Temple-Inland, Inc., a corrugated packaging and building products manufacturer, recently found out it was a victim of a $4.8 million fraud scheme, the company became an example of how no industry is safe.

An employee of the company and eight of his accomplices alleged dreamed up and implemented a plot to overcharge the company for timber deliveries and then skim the overage off the top of the company’s payment for the non-existent timber. The employee is said to have discovered how to adjust the computer system in the company’s scale house so that he could produce two weight readings when one truck passed over the scales, thus creating an extra, fictional load. The employee allegedly secured the involvement of truck drivers to pull off the scheme. In one case, a driver received $910,000 in payments for deliveries when in fact he’d delivered nothing to the mill. The result – Temple-Inland paid close to $5 million for shipments they never received. That’s a lot of damage caused by one employee.

Temple-Inland’s agribusiness insurance policy, if it contains coverage for employee theft, would cover the loss up to the coverage limits stated on the policy. Still, with agribusiness insurance companies, as with most insurance companies, there’s a measure of responsibility that falls on the company to prevent future occurrences. Now that the plot has been uncovered, the company should be putting safety measures in place to prevent a repeat of the alleged crime. Coverage is a great way to mitigate the loss, but agribusiness companies do run the risk of having future claims denied if there is no indication of preventative measures.

 When in doubt, talk to your agribusiness broker. Criminals are becoming more sophisticated in their approach. While you may not be able to predict the next incarnation of crime, your insurance broker can help you address potential areas of weakness in your business operations.

Source by Agribusiness Blogger

If you’ve recently filed a water damage insurance claim, strike up the band because it’s time to dance! Yes, you will need to do a little dancing with the insurance adjuster. Feel the beat: one, two, three, four, one, two, three, and four. Okay, let’s go.

One – Who will lead this dance? The insurance adjuster deals with insurance claims on a daily basis and naturally wants to lead. After all, what do you, the insured, know about insurance adjusting. He’ll steer you this way, and then that way, gracefully and smoothly, slowly following a rhythm as the two of you glide from point A to point B. But at what cost? Sure, it’s easier to follow, but doing so requires giving up control. It’s your home, so, clumsy as you may be about filing insurance paperwork, insist on being heard.

Two – It Takes Two to Tango. While your insurance adjuster wants to remain in control, it takes two to tango. You have the right to disagree. You can negotiate. You can point out errors and omissions. If you want a fair insurance settlement, you need to get involved and you must be willing to be assertive. Otherwise, your insurance adjuster will sweep you off your feet and glide you across the dance floor, all according to his terms.

Three – Do the Hustle. Be prepared to do most of the work. Water damage claims often involve extensive damage and major losses. But guess who’s responsible for documenting those losses? You are. Sure, your insurance adjuster will come in, snap a few photos, a take a few notes. But it’s up to you to provide your insurance company with proof of your losses. Take dozens of photos and create a detailed list documenting every single item that was damaged or lost. Ideally, you will have previously completed a home inventory detailing your possessions complete with photos, serial numbers, and receipts. If not, you’ll need to work even harder to prove the value of your losses. You’re in a tough position here as the waterlogged items need to be quickly removed. Get to work and start snapping photos as soon as it is safe to enter the building. Use both still and video images. If an expensive item must be disposed of, consider cutting off a swatch of fabric to attach to the photo as further evidence. For example, if the adjuster disputes that the couch was leather and you have an actual swatch of leather from the couch, you’ll have a much better case.

Four – Mind if I cut in? In some cases, it’s better not to dance with the insurance adjuster and instead allow a public insurance adjuster to stand in for you. A public insurance adjuster is an insurance expert who represents your interests and negotiates directly with your insurance company.

If your property is water damaged and your insurance will be involved, follow these steps and take the lead. One, two, three, four…

Source by Mark Decherd

Damage caused by nature or humans can be massive or minor. Getting a commercial insurance from a reliable source can make it simpler for us to deal with any kind of situation. However, while looking for a commercial insurance, a lot of other things need to be kept in consideration other than the coverage cost. At Inproagent, we offer you a commercial insurance policy plan that provides you complete protection against damage caused by any type of source. Our commercial insurance policy not only insures your workplace and its contents but also other possessions related to your organization.

Our commercial insurance covers several aspects like coverage of the structure of your commercial property, belongings, protection against liability and additional expenses related to the organization. Opt for a comprehensive commercial insurance policy that provides you value for your money and protects your commercial property from any unforeseen danger. Choose for a plan that suits your requirement the best with adequate protection.

Before applying to a bank or an insurance agent for commercial insurance, make sure they offer sufficient coverage with the insurance policy. Inproagent offers you customized plans that fit your varied requirements. We give you an option to select a combination of schemes to fully protect your property as well as the contents therein. Whether your property is big or small, we have options that you can choose from for your needs.    

Mostly, people living in areas prone to natural calamities like earthquake, flood, etc or those who live in places where security is a major concern opt for a commercial insurance to combat any unwanted situation. However, it is recommended that one must get his/her property insured as emergency can come in any form and not only as natural disaster.

Inproagent is one of the leading and trusted names when it comes to commercial insurance. We have been offering customized home insurance plans over a decade. The faith of our customers in us has been possible through the unmatched service that we have been offering for several years. 

Inproagent has been offering a variety of commercial insurance products that are tailored to meet the different insurance needs such as property, general liability, commercial auto, umbrella liability, bonds, group benefits, equipment floaters, directors and officers liability, worker’s compensation, employment practices liability, employment practices liability, professional liability, etc.

Source by Gary Smith

Different states have different requirements for new licensees as well as for ones looking to renew their health, fire, casualty or life insurance licenses. The state of California requires continuing education for the first four years. The requirements are as below.

• New licensees in the state have to complete up to 25 hours of continuing education per year for the first four years. After this term expires, the licensee will need to complete 30 hours for every two years of the license term period.
• Life/ Health and accident insurance agents/brokers have to complete 24 hours of California insurance continuing education for two year term periods.
• Limited Line automobile insurance agents must complete 20 hours of continuing education whilst personal lines agents need to complete 10 hours of continuing education.

How and when to submit?

The best time to complete the continuing education is about 60 days prior to the expiration date of the license as this gives ample time to the provider to submit the necessary documents and records to the California Department of Insurance.

Correspondence courses

Correspondence courses are ideal for California insurance continuing education. You can complete the courses according to your own leisure and pace and then get the appropriate credit hours mailed to you as a certificate. Different course providers have different policies on how completion dates are determined. While some course providers choose it by postmark date, others choose a grading date. It is recommended that you are well versed with the terms and conditions of your course education provider for it will enable you to complete your continuing education hours on time. However, if your license is renewed late and you have completed extra hours of California insurance continuing education whilst your license was inactive, then it can be credited towards the appropriate term.

Source by ekhard

Spring is in the air, an ideal time of the year to have family visit the USA and Canada.  This is especially true for Indians who are used to warmer weather and find American winters challenging.  Having family visit is really exciting, and there is always plenty to plan and organize to make the visit memorable.  Amidst all the excitement, it is easy to overlook visitor medical insurance, however that can be an expensive mistake.

Why Visitor medical insurance ?
Visitors, in particular parents and elder relatives take some time adjusting to the new environs.  Beyond the initial jet lag, there are changes in weather, water, food and clothing to consider.  While you can take precautions for minor ailments such as ensuring that you have the required off the counter medication handy for coughs and fever, or remind them to get a spare pair of glasses, it is hard to prepare for more serious medical ailments. While expecting visitors to America, you should consider unplanned but definitely possible catastrophic medical situations, such as an accident, or somebody falling down and having to undergo surgery. Any situation which results in visiting an American hospital can be a serious drain on one’s finances, even during good financial conditions.  A few hours in the hospital can result in thousands of dollars of medical expenses, and it is not at all an exaggeration that an overnight stay in the hospital can result in tens of thousands of dollars in medical bills.  In this context, it is always prudent to purchase visitors medical insurance.

Why Purchase insurance online ?
Visitors insurance can be confusing for anyone outside the insurance industry.  There are several different insurance providers, different types of insurance plans, fixed benefits versus comprehensive plans, new concepts like deductibles, PPO network, co-insurance and so on.  Some resourceful websites have developed tools to help customers understand insurance concepts easily and to be able to compare and then purchase visitors insurance for travelers to America. Detailed information about visitors insurance is usually available with answers to frequent questions is also available on the web.

The purchase process.
You will need basic information about the traveler such as the applicant’s date of birth, passport number, the travel dates and a beneficiary for the policy. On selecting an appropriate visitor insurance plan, you can purchase the plan online in a matter of minutes using a credit card.  On completing the credit card transaction, the customer will get an email which has all the relevant information about the insurance plan. Unless the customer chooses the online fulfillment option, you will also get the policy document by regular mail in 4-5 business days.

Using the insurance policy.
After completing the online purchase of visitor insurance, you will get the insurance policy details, which will have a policy number as well as the relevant toll free numbers to contact in the event of having to get medical treatment. If time permits, it is recommended that you call the insurance company toll free number, and they will guide you forward on getting appropriate treatment. If the insurance plan has a PPO network, it is recommended that you use the doctor or hospital which is part of the network.  Using the PPO network will facilitate cashless settlement (direct billing with the hospital), remove any penalty for being outside network and in some instances even take care of any co-insurance that you might have to pay. If you are unable to call the insurance toll free number prior to visiting a hospital (in the event of any emergency), you should call the insurance company as soon as you can, and inform them of the medical treatment that the visitor is getting. You should then submit the insurance claims form.

Source by Adolph Paul