insurance-for-life

My car after accident,what will/should insurance give?

2009-09-20T01:19:00.000-07:00

My car after accident, what will/should insurance give?
Claiming for this is an accepted (and perfectly legal) scam. solicitors make millions out of it. How it works is: You go and see your doctor first and tell him you have had an accident and you have terrible headaches and pains around your shoulders and accross your upper back. You tell your doctor you are suffering from whiplash an other effects from the accident and you are scared to drive due to the accident.It doesn't matter if what you say is true or not and a doctor is not going to take the risk of assuming what you say is not true. You act up a bit and lay it on. The doctor will record all this in your file and you need to have as much problems as possible recorded in your doctors file.

You need to see the doctor first because the other persons insurance will write to him for a copy of your file just to check you have been to see him. If you don't go and see him then the insurance company will hold that against you to try to reduce your claim.

After seeing your doctor you go and see a solicitor/lawyer. They will send you to see a specialist who compiles a report of your trauma/whiplash etc. You have to act up a bit with the specialist just to make him know how bad you feel (even if you feel OK and there is nothing wrong with you). The specialist will send a report to your solicitor.

Once he gets this report your solicitor will start your claim against the other guys insurance. Your solicitor will send you to a specialist that he uses all the time. Solicitors and specialist are in it together, but noone can disclaim what a specialist says in his report because medical matters are for medical people and an insurance company will not dispute his report.

Since you have witnesses you should have no problem ,it would be helpfull if you could get the number of the police officer who attended the incident although this is not crucial due to your witnesses.

After a few months an offer of compensation will be made to your solicitor. You immediately tell your solicitor to try again,you NEVER accept the first offer. Then eventually you will get a big fat cheque landing in your mail box.

When it comes to payment, this should not cost you anything. The solicitor pays the specialist for his report and he then claims all his expenses/costs from the other insurance company.

The whole process should cost you nothing and when you go to see your solicitor get him to make this quite plain to you.

You shouldn't use your own insurance company for a compensation claim because all they want to do is sort things out to suit them and not you .The insurance company don't give a sh?t about claiming compensation for you.

Even if you see a specialist three months later (which I did) and there is obviously nothing wrong with you, you will still succeed in getting a substantial amount in compensation.

Just remember one thing. The reason why your insurance costs so much is partly due to the huge number of compensation claims made against them, everyone is at it after an accident Solicitors,specialists,claimants you name it. AND it is perfectly legal.

Make your claim just practice your acting ability until you see your doctor.

Chicago Street Lights May Scan for Car Insurance

2009-09-20T01:04:00.000-07:00

Ticketing red light runners is standard practice in many big cities, but Chicago is considering doing one better and scanning every car going by for up to date insurance.

It wouldn't matter if you ran the light or were driving conscientiously. The proposed system would exploit both existing stoplight cameras and general security cameras to scan your plate and hand it over to the InsureNet database. If InsureNet discovered that you were lacking insurance, you'd receive a $300-$500 ticket in the mail.

The system is anticipated to raise yearly earnings "well in excess" of $100 million (possibly even double that figure or more), with InsureNet taking a modest 30% for their services. Of course, all of this cash would be contingent on uninsured drivers actually paying their fines

Proof of health insurance

2009-09-20T00:55:00.000-07:00

Support grew on Friday for insurance industry demands that all Americans be required to obtain coverage as part of a planned healthcare system overhaul, with a senior Senate Democrat and a coalition of business and consumer groups promoting the idea.
Senate Finance Committee Chairman Max Baucus, a Democrat who is helping write healthcare legislation, said an insurance requirement, or mandate, would help the market function better and reduce premium costs for everyone.
Baucus argued that the cost of medical care for people with no insurance is being shifted to those with insurance, forcing costs higher.
"An individual obligation to get health coverage is essential," Baucus said in a speech to the Center for American Progress think tank.
Meanwhile, an influential coalition of hospital, nurses, doctors, business, consumer and insurance groups said on Friday its members had agreed on a set of reform ideas including a mandate that all Americans obtain health insurance.
The coalition, called the Health Reform Dialogue, also backed the idea of federal subsidies to help people pay for medical coverage.
The coalition includes groups such at the AARP, which represents older Americans, the American Hospital Association, America's Health Insurance Plans industry group, the healthcare advocacy group Families USA, the Business Roundtable and the U.S. Chamber of Commerce.

MANY AMERICANS GO UNINSURED
There currently is no requirement that Americans have health insurance, and many do not. The government says about 46 million people went without any public or private coverage in 2007, the last year for which figures were available.
President Barack Obama has called a healthcare system overhaul one of his leading priorities for this year.
The support of this coalition and Baucus make it more likely that any healthcare legislation will embrace an insurance mandate despite concern in both parties about imposing it on people who may be unable to afford it.
Baucus did not spell out how his idea for a mandate would work, but it could be imposed on individuals, or employers could be required to provide coverage to workers, or a combination of both.
Insurance industry representatives told a Senate hearing this week that they needed a mandate to keep premiums affordable if they were going to end the current practice of charging higher premiums for the sick and excluding pre-existing medical conditions from coverage.
Obama also may be softening his stance against a mandate, telling a White House question-and-answer session on Thursday that the issue will be "part of the debate."
During his campaign for the Democratic presidential nomination last year, Obama argued against a mandate, while his rival for the nomination, Hillary Clinton, who is now his secretary of state, backed it. Obama said on Thursday he was still "skeptical" about a mandate because people who lack health insurance do so because they cannot afford it, not because they do not want it.

Why do we pay car insurance?

2009-09-20T00:13:00.000-07:00

If insurance won't even pay for the whole thing to be fixed? My deductible is 600 and I just got in an accident that was not my fault. But I have to pay up to 550 dollars to get my car fixed. Why do we pay the insurance company each month so much money if they won't even pay to get things fixed? It really ticks me off how they do that to you. And me being in a no-fault state kind of puts a damper on everything.

Seriously, where does all the money go that we give them... I've been paying them each month for 7 years just to drive my car. They should use my money that I've already given them to fix the damages that exceeds 1,500 dollars.

Anyone else want to rant about this?

Get Insurance Cheap

2009-09-02T19:42:00.001-07:00

Be smart, look around, and explore your options. That's the best way to save on health insurance and get a good deal.

While more competition is always a good thing, it can sometimes be very confusing to consumers who want to get the best deal, but are confused by the sudden array of choice.

There is also the added confusion that not all health plans have to contain all benefits, meaning you've suddenly got a whole lot of policies that may or may not contain the things you need. Insurance carriers still do have full health insurance plans, but the advantage of this new flexibility is that consumers can choose which benefits they would like to pay for. This means insurance that is tailored to your needs that won't break the bank with costs for things you don't want or need.

You now have the choice between State Mandated Plans and Consumer Choice Plans. Consumer Choice plans will still include things that the State has determined must be included, such as Alzheimer's and Pregnancy Complications.

The health coverage tax credit program is also available to help certain individuals pay for insurance, this can make health insurance much more affordable if you're eligible. If you're on a pension you're likely to qualify, as well as if you are a displaced worker.

There is also the choice between Fee-for-service plans, and Managed Care plans. Managed care plans may be cheaper as may be required to go to the health care professionals that the insurance company dictates, where as Fee-for-service plans allow you to go anywhere you want.

Another excellent way to save money on your insurance is to see if you can get it as part of a group. Perhaps your employer offers insurance, or your union. Other associations that offer the chance to get in on a group plan are churches and professional associations.

The price paid for auto insurance

2009-09-02T19:32:00.000-07:00

There are, however, things the consumer can do which may lower the price paid for auto insurance.

Higher deductibles

The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.

Investigate auto records

Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.

Getting many quotes and comparing them is the best way to check pricing, coverage and save money.

And, don’t forget, the best way to lower your car insurance premium is to drive safely.

Guide to Finding Federal Dental Insurance

2009-09-02T19:23:00.000-07:00

Affordable Health Dental InsuranceIf you are an employee of the federal government, there are many options open to you with regards to your family’s dental insurance plan. There is really no need for you to research on these plans, as you will be provided with the needed handouts related to these governments’ dental insurance offers to federal employees.

All you have to do is find the right option for you from the pamphlet and apply for such coverage. Actually, as a federal employee, you are in a better position for dental insurance coverage as all that you have to do is choose if what options is most suited to your family’s dental insurance need. This is one advantage of being in the government employ.

If you are working as a contractual employee of an agency and receiving a very low pay, you can still avail of these federally funded dental insurance plan which are free for those with lowest income and partially free for those with a slightly higher income. These government sponsored dental insurance plan are given to the residents of the state that are living in or near poverty levels.

Every year, your state allocates a budget for these governmental support and have it bided to insurance companies. Those residents that would like to apply for these government supported dental insurance coverage plans has to submit proof of their annual earnings to qualify for these dental insurance plans.

For federal employees, it is suggested that if they would want a more comprehensive federal insurance plan with a good coverage on dental care, they can browse the website of their state and study what other options are available for them that can give them more coverage when it comes to their dental insurance need. In fact, in this site, they can also see their own plan, the total amount of their coverage and its status.

On the other hand, if you are out of work or working with a very low pay, you can always seek the help of your city or municipal government for federal dental insurance. If you have the time you can go to an internet shop and search the net for your state or city website. Here, you will come to learn the many free government assisted dental insurance coverage plans and the needed requirements if you want to apply for one.

Usually, the needed information that you have to furnish your city dental health office when you apply for federal dental insurance plan will be your yearly income and the number of children that you have. You have to be aware that if you fall on the lowest income level, you can have the chance of being afforded a totally free dental insurance for your family.now you can apply this

What type of insurance you should buy this or buy term insurance and invest the rest?

2009-07-28T01:26:00.000-07:00

What type of insurance you should buy this or buy term insurance and invest the rest?
When you compare this second case, buy term insurance and invest the rest will give better results when you consciously keep your invest.Including the difficult to set aside funds to invest regularly every month, a product unit-linked insurance can be an alternative . This product provides the benefits of this type of investment that we can select and with the existing protection.
With this purchase product, each year (when you pay the premium every year) you will be charged the same amount of premium, in which some will be invested (the longer the greater the portion of investment compared with protection) and some other cost-protection and other administrative costs.

Life insurance measure can be taken each year

2009-07-28T01:21:00.000-07:00

Life insurance measure can be taken each year and extended in the next year or you can buy it for the time period you specify age 5 years, 10 years, even 20 years. When you buy insurance annual measure, the cost of its annual premium will always increase. Because the insurance premiums to see you probalitas will mortality increased with the increase in age. Whereas if you buy term insurance measure 10 years, the insurance company will calculate the average cost of premiums or flat during the time period of 10 years.

As long as you pay the premium every month, your insurance protection will remain in effect. Meanwhile, if you fail to pay the annual premium, your insurance protection will be exhausted with the time limit (grace period) a very short one-month. This insurance does not have a cash value. This means that if you die world in the period specified, then your family will receive insurance money in full.
However, if the expires you will not die, then the premium you have paid you will not receive any return money. So, if you do not die in the world a limited time, the money you "lost".

Life insurance for people

2009-07-28T00:42:00.000-07:00

If you still have not single and marriage may be better if you buy health insurance . Or maybe you can buy insurance for illness or ordinary kristis called critical illness insurance. With this insurance, if you on diagnosis, then you will get the money at once or Lum sump, which can be used to meet your daily needs.

For those who still single, buy life insurance in a limited number can also be done. This is of course at the same time with the investment must be made on an ongoing basis.
For those who have riches in great amounts, buying insurance may not be needed. Insurance is useful to protect the family from the damage left by the financial order, if the risk occurs, any death, the family who does not feel left in the case of financial difficulties because of the amount of funds that have been left large enough for his family.

In the protection plan, the first step is determining whether you need insurance for protection? In short elimination is a life insurance fund to protect or maintain the life of a beloved family. If you do not have the financial responsibility for other people, you do not need life insurance.

Insurance needs of life for family

2009-07-28T00:15:00.000-07:00

Society in general, are reluctant to dismiss the importance of planning or insurance. When they were by insurance agents, they will avoid. This may be because the insurance agents themselves, where they are often forced to sell or push selling.

Insurance agents often sell products that are not in accordance with the needs of the clients, so that clients feel wronged. Motivation arising from the part of insurance agents get a commission is the largest of this type of insurance product that is not the needs or desires of clients.

With background on the story, the people we become reluctant when dealing with insurance companies. They have not been made into one of the insurance needs of life for families. Therefore we try to provide reviews about the importance of financial insurance for the family, both short and long term. For example, life insurance (life insurance).
Type of the oldest insurance provides protection against the left side (family, heirs) when someone dies, either suddenly or in accordance allegations. This is financial protection. However, this protection can provide finasial impact of psychological and other social-emotional. At least not until they feel lost all the financial support of people who died.