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By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer
Fixable With A Quality Homeowners "Low Cost Insurance" Policy
Accidents happen. They happen to cars, planes, and yes, even houses. That is why a quality homeowners insurance policy is important for when an accident does happen that you won’t have to pay an exorbitant amount of out-of-pocket money. To shop for a new policy and compare 5 offers, use our online forms. Most standard homeowners insurance policies include coverage for accidental damage. But how do insurance companies define accidental damage?
Accidental damage is damage that happens suddenly as a result of a non-deliberate and unexpected action
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Monday, March 28, 2011
Buckle Your Seat Belt and Save on Your Car's
"Economical Insurance" Premium
You’ve probably heard your whole life that buckling up saves lives. Chances are you went through that rebellious period most of us go through where you refuse to buckle up because it doesn’t look “cool” or "it's uncomfortable." Many people grow out of that and realize, before it’s too late, that seat belts are a good thing. But, did you know that wearing your seat belt could also save on your car insurance?
Life insurance is essentially a contract between the policy owner, the insurer, and the insured.
The policy owner often insures himself, making the owner and the insured, the same person. The owner must also authorize a beneficiary.
The beneficiary will receive the death benefit that the insurer has agreed to pay upon the death of the insured.
In return, the policy owner must regularly pay a premium to continue based on the terms of the contract, as detailed by the policy.
Exclusions to limit the liability of the insurer may be written into the contract for such things as claims regarding war and civil commotion. Things that are generally covered by the insurance policy include death, disability, requirement for long term care, and diagnosis of a terminal or critical illness.
Life insurance can be categorized into two basic classes: temporary or term life insurance and permanent, which includes whole life, universal life, and endowment insurance.
You can find out more about these different types of life insurance on our site.
Also, all "Property and Casualty" "Insurance Comparisons" are available at this one link. Find "Car Insurance Deals" and "Insurance Rate Comparisons" on all your Insurance Needs
What many Americans don't know is that insurance fraud increases insurance rates for consumers nationwide. According to the National Insurance Crime Bureau (NICB), insurance fraud costs each American household $200 to $300 per year—a loss totaling at least $30 billion a year.
About Insurance Fraud
Insurance fraud is defined as an intentional misrepresentation of facts and circumstances to an insurance company to illegally obtain funds. Insurance fraud is a very common white-collar crime, right up there with tax evasion.
Insurance fraud can be committed at different points in the insurance transaction, by applicants, policyholders, third-party claimants or professionals such as physicians or chiropractors who provide services to the claimants. Insurance fraud may also be committed by insurance agents by misrepresenting themselves to a client, resulting in the consumer paying for coverage he or she may not actually have.
Hard vs. Soft
"Hard" insurance fraud occurs when there is a deliberate attempt to stage or invent an accident, injury, theft or other incident that would be covered by insurance.
In the world of auto insurance fraud, "crash test dummies" are known as drivers and passengers used in staged auto accidents. “Crash test dummies" will typically approach people and convince them to participate in the scam, saying that legal, medical and all other paperwork will be taken care of. Generally, the two motorists will then crash their cars into each other and report the accident to authorities. In addition, the driver and any passengers in the car will falsely claim they were injured in the accident.
The result for consumers? Auto insurance fraud increases premiums for everyone—criminals and law-abiding alike.
In Florida, a new trend in hard auto insurance fraud is called "ditching" or "owner-give up." "Ditching" typically occurs when the owner can no longer afford the vehicle or is otherwise unhappy with it. The vehicle is then dumped somewhere or burned, after which the claimant reports that his or her car has been stolen or victim of arson.
On the other end of the fraud spectrum, "soft" insurance fraud occurs when the policy holder exaggerates a legitimate claim. Soft insurance fraud also occurs when people provide false information their insurance agent to favorably affect the underwriting of their policy. Soft insurance fraud includes fudging facts, like the number of miles driven and where a car is garaged, or providing an inaccurate medical history when applying for health insurance.
Both hard and soft fraud contribute to all forms of insurance fraud—auto, health, home and life—and takes money out of the pockets of consumers across the country.
You’ve probably heard your whole life that buckling up saves lives. Chances are you went through that rebellious period most of us go through where you refuse to buckle up because it doesn’t look “cool” or "it's uncomfortable." Many people grow out of that and realize, before it’s too late, that seat belts are a good thing. But, did you know that wearing your seat belt could also save on your car insurance?
In the hunt for "Car Insurance Deals" it's best to know how the rates are calculated so you can seek out the "cheapest auto insurance rates".
"Insurance Rate Comparison" is a key ingredient for locating the "cheapest auto insurance rates" and the link below will have a third party do all the work for you, while you simply wait for the "comparison insurance" quotes to roll in.
Depending on your jurisdiction, the insurance premium you pay, can be either set by the government or determined by individual insurance companies, based on a framework of regulations that are set by the government.
Figuring out the insurance premium that an individual companies will charge you, is a bit like putting different pieces of a puzzle together, because car insurance companies combine a number of different elements to arrive at your individual premium. The interesting part of it is that they all have a slightly different way of looking at things, and this produces a variation in prices between companies.
In our following posts will be brief explanations of how the different elements may affect your final insurance rate.
Bicycle enthusiasts prize their wheels, often spending a lot of money to purchase their rides and keep them well maintained. But whether a bike is a simple, inexpensive brand or a highly-valued mountain or racing version, having it turn up missing can be discouraging, disheartening—and expensive.
Bicycles and Insurance
Though most people don’t realize it, homeowners and renters insurance policies cover bicycles. Like any other contents on the property, they’re part of the owner’s possessions—and insurance companies treat them as such by reimbursing the owner so another, comparable bike can be purchased following damage or theft.
However, a deductible usually applies, so it’s wise to find out ahead of time how much it will cost to actually file a claim.
Find "Insurance Cheaper" check out "the "Cheapest House Insurance" get and "Insurance Rate Quote" today...
Natural and man-made disasters take thousands of lives each year; wiping out entire communities in their wake; injuring many; and leaving businesses, homeowners and families emotionally and financially devastated.
From hurricanes, tornadoes and earthquakes to incidents of civil disorder and terrorism, catastrophes cost the insurance industry $25 million or more per event, devastating their coffers and increasing the price of insurance nationwide.
Are you prepared? Speak to qualified people, check out the link provided below and check with them as to whether you are adequately covered for any catastrophe. Areas never damaged by floods before are seeing devastating water losses. The weather patterns appear to be changing, and you as an insured need to be ready for any eventuality.
Find a "insurance rate quote" below and help with all your "insurance rate quote" questions and coverage "insurance terms" explained.
Don't wait until it's too late, once an event occurs there will be no Insurance help available without having arranged the proper coverage prior to the catastrophe.
No one likes sharing their home with bugs, rodents or other pests. But once the little critters move in and start munching on the walls of your home, the rafters in your attic or the electrical lines in your basement, who’s responsible for the damage: your insurer or you?
You may instinctively think the infestation and damage caused by pests are your insurer’s problem. But if that’s your answer, you’re wrong.
Let’s put it this way: No matter where in the country you live, pests can be a problem. Whether you’re dealing with mice, squirrels, cockroaches, ants, termites, silverfish, fleas, bedbugs or one of a hundred other invading pests, remedying the damage they cause can be expensive and frustrating.
Which is exactly why your home insurance company can’t afford to cover the damage.
If you are interested in checking into the "Cheapest House Insurance" rates available or the"Cheapest Auto Insurance Rates" get your "Insurance Cheaper"
