Big Brother Fighters

The best judge of Total Disability and/or Partial Disability is “Ole” Doc Comfort your attending physician. The Medical Report he executes for the insurance company you’re battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. His diagnosis will be crucial to I. M. Smart, the adjuster assigned to handle your claim, because it will detail the duration of your “Pain and Suffering”. In addition it will also prove the time you lost from work as being legitimate.

When settlement time arrives, Smart will form a healthy portion of his evaluation based on the documented proof of the length of time of each of the following two elements: “Total” and “Partial” disability - - the both of which will indicate how much they restricted your inability to work and also your social activities.

YOU MUST CONSIDER ALL THE POSSIBLE OPTIONS FOR MEDICAL REIMBURSEMENTS: Be aware that you may be able to collect from your own motor vehicle insurance carrier (via your “Medical
Payments” coverage) plus you may also be able to collect from your own health insurance policy or plan.

Yes, Rock Solid Insurance, in a clear case of liability (and as part of its settlement with you) will pay your medical bills. BUT HOW ABOUT YOUR OWN MOTOR VEHICLE POLICY’S MEDICAL PAYMENTS COVERAGE? You must read your motor vehicle accident policy carefully. It may provide you with coverage up to certain limits (one or two thousand dollars - - some a lot higher) for all the medical bills you had as a result of the accident - - regardless of who was at fault!

“Med Pay” is a separate part of your policy, which you pay extra for, but it’s definitely worth it. Since you’re shelling out money for this extra coverage you should consider taking advantage of what it offers.

The following people are usually covered under the Med-Pay provisions: You or any relative who lives with you (when driving or riding in your vehicle) plus anybody else who is driving with your permission (and also their invited “guests”) who happen to be riding along with them in your car.

It may state in your policy that your insurance company has a right to recover the amount of the Medical Payments made to you should you (later-on-down-that-often-very-loooong-rocky-road) get paid for your loss by Rock Solid. But, even if you don’t, you’ll still be paid for your medical bills under the Medical Payments (Med-Pay) Coverage of your motor vehicle insurance policy without having to pay your insurance company back.

It’s usually a practical move, to elect to file a claim with your own auto insurance company (under the Med-Pay Coverage) so you can be confident all your medical bills are paid in time. Otherwise, your medical providers may get upset because they’ll have to wait far too long to be paid (somewhere down the line - - perhaps a year - - sometimes much longer) until you finally settle for your loss with The Rock Solid Insurance Corporation.

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YOUR OWN HEALTH INSURANCE POLICY/PLAN: There’s another possible medical bill coverage for your accident - - and that’s your Health Insurance policy or whatever Health Plan you may be under. If the Med-Pay provisions of your motor vehicle policy state that they must be paid back, should you collect from Rock Solid, you may find it more advantageous to file a claim under your Health Insurance policy or some other Health Plan. HOWEVER: You should check the wording in those policies very closely because they may NOT require you to pay them back for the medical payments they’ve made on your behalf - - even if you collect for your loss from The Rock Solid Insurance Corporation !

There’s nothing wrong or immoral about collecting money from more than one source for the same medical bills. Think of it like a Life Insurance Policy. If an individual is paying premiums for three $10.000 Life Insurance Policies and they pass away, is the love-of-their-life (as the named beneficiary) entitled to $10,000 or $30,000? Indeed, because the premiums were paid on all three, that individual is entitled to a payment of $10,000 times three, or $30,000.

By the way, if Adjuster Smart happens to ask you if you have any such options, don’t tell him. Whatever other insurance coverage’s you have is your own business! It has absolutely nothing to do with the value of your claim, how much money you should be paid for your “Pain and Suffering”, nor any other portion of your loss.

NEVER FORGET: You’ve already paid for these types of coverage and you’re entitled to be paid under all your options for reimbursements - - even if that means you’re paid by multiple sources for the same bills !

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DISCLAIMER: The only purpose of this article ~ YOUR PERSONAL INJURY INSURANCE CLAIM ~ SEVERAL CRUCIAL SOME “INSIGHTS” INTO MEDICAL REIMBURSEMENTS is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor EzineArticles.com make any guarantee of any kind whatsoever; NOR to they purport to engage in rendering ay professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.

Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor, and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim cases. He has had 3 “How To” Insurance Claim books published, the latest being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. (How To Evaluate And Settle Your LOss).(EZINE ARTICLES = If you want one of these MUCH LONGER with much more depth please advise and I’ll send it to you. Thanks.

Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book explains, in simple language, “How To” handle your motor vehicle property damage and/or personal injury claim so you won’t be taken advantage of. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the “Pain and Suffering” you endured - - because of your motor vehicle accident injury!

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Nearly 70 percent of older Americans endorse the concept of individual health savings accounts to help cover medical expenses in their later years, a new survey finds.

The accounts would involve setting aside 1 percent of income to handle expenses not covered by Medicare, the federal insurance program for people aged 65 or older.

The survey also found that a majority of those interviewed expressed support for being able to buy into Medicare before they turn 65.

It Won’t Be Easy Without Health Insurance

Many older Americans are facing a bleak picture as they enter retirement. Not only do they often struggle with chronic health problems, but their wages are stagnant, health costs are rising and retiree health benefits are declining.

Fifty-three percent of respondents who worked or had a working spouse said they would not have job-based health benefits when they retired. According to researchers, 12 million older adults are currently uninsured or have had histories of unstable coverage.

It Takes Money To Have Health Insurance

Twenty-four percent of adults aged 50 to 65 said they have not filled a prescription, seen a doctor or specialist, or gotten a medical test or follow-up treatment due to the costs involved. more than one-third said they had a problem paying medical bills in the past year, or were still paying off medical debt from the last three years.

All of this is taking a toll on confidence. Only 15 percent of respondents aged 50 to 64 and 22 percent of those aged 65 to 70 felt they would have enough income and savings for retirement. Almost two-thirds worried they would not be able to afford medical care and health insurance in their later years.

Ivon T. Hughes of The Hughes Trustco Group is a licensed Insurance Broker. Author of The Life Insurance Handbook. - Get a FREE Copy TODAY!
Email: info@trustco.ca Web: www.hughestrustco.com

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When you start a home-based business, buying insurance may not
be your first priority, but you cannot afford to ignore it
either. When the unexpected happens — and it will — having
insurance coverage may mean the difference between the success
and failure of your home-based business.

You may not require all types of insurance listed here, but
taking some time now to consider your insurance needs can save
you money and headaches in the future. Ultimately, after reading
this article, the best way to determine your complete needs is
to consult with your insurance agent. Explain to them the
details of your home-based business and he or she should be able
to determine the best insurance coverage for you (and any
employees).

Health Insurance

Health insurance should be the first consideration for
yourself and any employees you may have. If you have just left
your current job to start your own business, you may be eligible
for COBRA, which will provide temporary interim coverage. This
will keep you covered while you search for the best health
insurance policy.

Disability Insurance

Disability insurance will guarantee that you have some income
should you suddenly become unable to work because of injury or
illness. Having this extra peace of mind is almost always well
worth the extra money you pay.

Life Insurance

L
ife insurance will help ensure that your family has the
money it needs should you meet with an untimely death. Some
lenders require that you have life insurance before they’ll
issue a loan; this guarantees that the loan will be repaid if
you meet with an untimely end.

Business Property Insurance

Business property insurance helps protect you against loss of
inventory or equipment. If your business equipment or inventory
is damaged in a flood, fire, or other disaster, this type of
insurance will allow you to recoup your losses.

General
Liability Insurance

Comprehensive general liability insurance is necessary for your
home-based business if you plan on having clients or customers
visit your home. Whether you plan to hold meetings, allow
customers to pick up merchandise, or have members of the public
enter your home for any other reason, this insurance will
protect you if someone is injured while on your property. This
insurance will typically pay for your legal defense should you
face a lawsuit as the result of a fall or other damage that
occurs on your property.

Business Interruption Insurance

Business interruption insurance will help your business recover
from natural disasters. It will cover you for income lost during
the disaster, and will pay for operating expenses that continue
to accrue, even though your business isn’t up and running.

Workers Compensation Insurance

Workers’ compensation insurance is an absolute necessity if you
plan on having employees working out of your home. Without
workers’ comp, you’ll be responsible for any medical expenses
arising from injuries employees sustain while working for you.
Many home-based business owners mistakenly believe that this
type of insurance is only required by businesses that have a
retail or separate location, but that’s not the case. Another
mistake is assuming that only ‘dangerous’ employers (such as
construction or movers) need this type of insurance. But what if
your employee slips on the stairs or their chair breaks? While
those are both unlikely, they are possible and the less risky
your business, the cheaper the insurance will be.

These insurance plans can help ensure that you are prepared to
face any eventuality that might occur while you are running your
own business. Disasters, accidents, and crises can strike at any
time. By preparing now, you may be saving you and your company
significant financial loss, wasted time, and difficulty.

You may reprint this article on your site or in your newsletter
with proper credit to the author and a simple link to
http://www.hometownquotes.com

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Jogging is such a great and wonderful exercise for all of us to participate in. At five am every morning the enthusiastic jogger gets up and goes for a thirty minute jog. You have probably witnessed them as you drive in your car; they are the ones who have their head up high, workout clothes on, and real nice running shoes on. They are devoted to jogging and are skinny and lean. It might make us wonder what we are doing driving in the car while this person is out jogging and getting healthier.

If you are interested in picking up morning jogging for better health, then you could take the Acceletrim weight loss product to give you a boost in energy, it could really help you out. Buy high quality running shoes, even though you are only going to be jogging. Drink a great deal of water before you go out for the jog and get going. When you first start, only go out for a short period of time, and always start out slow and progress up. When you jog it is important to keep good form and keep your head up high, also breathing deep into the lungs is good for your health. The first couple of times might seem like a challenge, but the cool thing about daily jogging, is that it gets easier as you move forward, the more you do the easier it gets. So please don’t give up in the first few times, it should get much better.

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If you are looking for tips on how to reduce the yearly premiums you pay on your home contents and/or home buildings insurance policies, the following are some sure-fire ways to do it:

Increase the insurance excess amount

While still maintaining a sensible threshold, why not increase the excess amount on the insurance policy? The excess amount is the amount you and the insurance company agree you’ll be liable to pay you can make a claim on the insurance policy. In theory, with an increase in the excess amount should come a reduction in the premium - as there is less chance you’ll claim.

Increase your home security

Insofar as home contents insurance is concerned, security is a major contributing factor. Therefore, if you want to reduce your home contents insurance premiums, you should seriously consider beefing up your home security system. Depending on the valuation you have put on your home contents, ideas here should include putting in a home alarm system.

Rent a safety deposit box

While none of us like the idea of keeping our most prized possessions safely locked away in a safety deposit box, if you have one or two very valuable personal items, you may well find that it is a lot less expensive to keep these in a safety deposit box and only bring them out on special occasions than it is to pay an expensive insurance premium to keep them on-hand all the time.

Look around for a new insurance provider

Although you do need to consider whether or not your home buildings insurance provider is an approved insurance company, so far as your mortgage lender is concerned, these days the insurance industry is a very price competitive one. As such, take advantage of this and look around to see if you can get a cheaper deal either on the Internet or in the real world.

Insure against the mortgage value

Although it is never recommended practice that you only insure your home buildings against the mortgage loan outstanding, if money is tight and the amount of your mortgage outstanding is not too far off the real value of your home, you may want to consider insuring your home for the value of the mortgage loan outstanding. This way, with a lower home valuation should come reduced premium payments.

Although there are a number of ways that you can reduce both your home contents and home buildings insurance, where possible it is best practice that you try to maintain adequate insurance to reflect the real value of all your wonderful possessions.

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What Are The Different Types Of Boat Insurance Available?

When shopping for boat insurance, you may be surprised to find that there are different types of boat insurance policies available. Many insurance companies will only offer one standard watercraft liability coverage policy, while others will offer optional coverage that you can purchase. In fact, if you have financed your boat, your lender may require you to carry specific optional coverage. There are several different types of coverage that you can add to your policy.

The standard insurance is the watercraft liability insurance coverage which is required by many states. This insurance will cover you in the event that damage is caused to another person or another person’s property by actions taken with your boat - whether it is during transport or on the water. Again, many states now require this liability coverage, and each state has its own requirements as to how much liability coverage you need to have. Check with your insurance agent to find out what you are required to have.

Watercraft medical payments coverage may also be required in your state. This coverage pays the medical expenses, up to a specific amount, for you and any occupant of your boat which results from a covered accident. Even if this insurance is not required, you should definitely consider it. Medical expenses are quite high. If you think that you cannot afford this coverage, think about whether or not you could afford the medical bills you will have in the event of an accident without the coverage.

Wreck removal and pollution coverage should also be strongly considered. By law, if your vessel is wrecked or sinks, you will be required to remove it. If oil or gas leaks into the lake, river, or ocean, you will be fined - just like the big oil companies are fined when they have spills in the ocean! These fines, as well as the wreckage removal and spill cleanup can be quite expensive without this coverage. Don’t make the mistake of thinking that something like this won’t happen to you!

You should insure yourself against uninsured watercrafts as well. This works just like uninsured motorist insurance when you purchase coverage for your automobiles. If someone who does not have insurance - or adequate coverage - collides with your boat on the water, your insurance will pay for the replacement of your boat, or for the needed repairs.

Towing and assistance coverage should also be strongly considered. Getting towed back to shore often costs more than having a car towed to a garage! Especially if you are out in the middle of the ocean! You should also ask about coverage to recover your boat and protect it from further damage after a mechanical failure or an accident. These costs do indeed add up. Again, don’t make the mistake of thinking that nothing bad will happen, and don’t make the mistake of thinking that you cannot afford the coverage. If you can’t afford the coverage, you certainly won’t be able to afford these expenses!

Most insurance policies should cover your boat, the motor, and the trailer used to transport the boat. Liability coverage isn’t the only type of coverage that you need in most cases. You should make sure that you protect your boat, just as you protect your automobiles with coverage that includes theft and vandalism, as well as losses caused by storms, fire, sinking, capsizing, stranding, collision, and even explosions. Talk with your insurance agent to find out what type of insurance is required by your state and what type of coverage they offer. Also talk with your boat dealer and lender to find out what type of coverage you are required to have as well.

CopyRight Ian D. Major 2005.

Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting:

www.the-boat-insurance-directory.com

an entirely FR*EE source of information about Boat Insurance.

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By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies.

Rule 1: Buy Insurance Only for Financial Risks You Can’t Afford to Bear on Your Own

The purpose of insurance is to cover catastrophes that would devastate you or your family. Don’t treat insurance as a chance to cover all your losses no matter how small or insignificant, because if you do you’ll fritter away money on insurance you really don’t need. For example, if your house caught fire and burned down, you would be glad you had homeowner’s insurance. Homeowner’s insurance is worth having, because you likely can’tand you certainly don’t want tocover the cost of rebuilding a house. On the other hand, insuring an old clunker is a waste of money if the car is only worth $800. You would be throwing away money for something you could cover yourself if you had to.

Rule 2: Buy from Insurers Rated A or Better by A.M. Best

Insurance companies go bust, they are bought and sold, and they suffer the same economic travails that all companies do. Between 1989 and 1993, 143 insurance companies declared bankruptcy. You want to pick a reliable company with a good track record.
A.M. Best is an insurance company monitoring service that rates insurance companies on reliability. Look for insurers rated A or better by A.M. Best, and periodically check to see whether your insurer is maintaining its high rating. If your insurer goes down a notch, consider finding a new insurance company. You can probably get A.M. Best’s directory of insurance companies at your local public library, and you can find A.M. Best on the Web at www.ambest.com.

Rule 3: Shop Around

There are many, many, many kinds of insurance policies, and insurers don’t advertise by price. You need to do some legwork to match your needs with the cheapest possible policy. Talk to at least two brokers to start with. Look for no-load insurance companiescompanies that sell policies directly to the public without a broker taking a commissionsince they usually offer cheaper prices.

Rule 4: Never Lie on a Policy Application

If you fib and get caught, the company can cancel your policy. If you lie on an application for life insurance and die during the first three years you hold the policy, the company will cancel your policy, and your beneficiaries will receive nothing. Health, life, and disability insurers run background checks on applicants through the Medical Information Bureau, so you can get caught lying. The medical examination you take for life insurance can also turn up a lie. For example, if you smoked tobacco in the previous year, it will come up in the test.

Rule 5: Don’t Buy Specific-Risk PoliciesBuy General Policies Instead

When it comes to insurance, you want the broadest coverage you can get. Buying insurance against cancer or an uninsured motorist defeats the purpose of having an insurance policy. If you have ulcers, your cancer insurance will not help you. Get comprehensive medical coverage instead.

Uninsured motorist insurance is supposed to protect you if you get hit by someone who doesn’t have car insurance or doesn’t have adequate car insurance. But, in my opinion, you don’t need it if you have adequate car insurance yourself, as well as health, disability, and life insurance. I should point out that some attorneys advise you to carry uninsured motorist insurance because, by doing so, you may be able to recover damages for “pain and suffering.”

Rule 6: Never Cancel One Policy until You Have a Replacement Policy in Place

If you cancel a policy without getting a replacement, you will be uninsured for however long it takes to get a new policy. And if disaster strikes during this period, you could be financially devastated. This rule goes for everyone, but especially for people getting on in years, since older folks sometimes have trouble getting health and life insurance.

Rule 7: Get a High Deductible

You save money by having insurance policies with high deductibles. The premium for high-deductible policies is always lower. Not only that, but you save yourself all the trouble of filing a claim and needing to haggle with insurance company representatives if you have a high deductible and you don’t need to make as many claims.

People who buy low-deductible policies usually do so because they want to be covered under all circumstances. But the cost, for example, of a $400 fender-bender is usually worth paying out of your own pocket when compared to the overall cost of being insured for $400 accidents. Statistics show that most people have a fender-bender once every ten years. The $400 hurts to pay, but the cost of insuring yourself for such accidents over a ten-year period comes to far more than $400.

One other thing: If you have a low deductible, you will make more claims. That means you become an expensive headache for the insurance company. That means your rates will go up, and you don’t want that to happen.

Rule 8: Use the Money You Save on Insurance Payments to Beef Up Your Rainy Day Account

While you can save money on your insurance premiums by following the rules mentioned earlier, it’s probably a big mistake to use that money for, say, a trip to Hawaii. Instead, use any savings to build a nice-sized rainy day fund that you can draw on to pay deductibles. A big enough rainy day fund can cover both periods of unemployment and your insurance deductibles.

Kirkland WA certified public accountant & author Stephen L. Nelson CPA has written more than 150 books. His bestselling book is Quicken for Dummies, which sold more than 1,000,000 copies. His books have sold more than 4,000,000 copies in English and have been translated into more than a dozen other languages. His web site is www.stephenlnelson.com

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With the claims civilisation growing all throughout the world, owning public liability insurance is turning out to be more and more required. If you do not currently have liability insurance integrated into your building insurance, then now is perhaps the exact time to look into obtaining better cover. Here is some info about why you need cover, & what to pay attention to.

What is public liability insurance: Public Liability cover is an insurance policy that protects you from claims that other people could possibly make against you in the occurrence of an accident. If someone damages their property or wounds themselves in or around your property or business then the professional indemnity insurance will shield you for any charges that may well happen. Cover generally ranges from two hundred and fifty pounds up to one million pounds. Find cheap deals on professional indemnity insurance from Insured Risks.

What are you covered for: Insurance will insure cover for accidents or loss that others may experience in or around your house or business premises. You are covered against claims from criminals as well as damages that may happen to a person from falling items or workers carrying out repairs. If a disaster occurs on your land & someone claims against you, your insurance will help out to pay any fees.

What’s included Some contents or property insurance covers include integrated liability insurance. You ought to check with your insurance company if this is the case, and if so what amount of cover you have. Even if the insurance is incorporated, you need to make sure that you are properly covered for any sort of accidents that may well occur.

Payment: The premiums that you are likely to have to pay depend on the kind of protection you want. If you simply insure your home, then the costs are likely to be much less than if you are wanting to cover a business. Yet, payments are pretty cheap inexpensive the level of protection that you get, & its as a result important for any individual running an organisation.

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Buying health coverage is very important for individuals - for covering not only their health, but also their medical bills. Even minor illnesses can result in exorbitant medical bills not to talk of serious illnesses where the costs can only be described as devastating. To keep the wolf away from the door and provide protection to yourself and your family, you can consider the option of buying individual health coverage plans. For this, you need to have a basic idea of health coverage works in the state of Texas. Depending on the plan you opt for, you will find that they pay for all or some part of your medical bills arising out of injury or sickness. The plans broadly fall under two categories: The Managed Care health plans, and the Fee-for-service health plans.

Managed care plans work through a network of doctors. This means that the plan will only pay if you visit a doctor or a hospital that is listed in the plan’s network. Yet there are plans, which allow you to visit a doctor of your choice, but they offer greater financial incentives if you visit a service provider or hospital listed in their network.

Fee for service plans work differently from the managed care plans in that they allow you to visit a doctor or hospital of your own choice. Also known as the indemnity plans, these plans are more expensive than the managed care plans.

Both plans have their pros and cons and you have to set your own priorities before zeroing on any of them. For example, your work may require a lot of traveling and in that case choosing the managed care plans would prove to be restrictive.

Apart from these plans, there is the Texas State Health Insurance Risk Program for people who cannot afford to buy individual plans.

Term Life Insurance provides detailed information about term life insurance, group term life insurance, and more. Term Life Insurance is affiliated with Dental Insurance Plan.

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There were two types of life insurance you could consider if you wanted to buy life insurance…term life insurance or permanent. Term life insurance had many variations and so does permanent. Term was considered temporary insurance and still is categorized in that way by many people…especially those in the life insurance industry.

In recent years, however, improvements to term policies have made them seem to be quite permanent to many an insurance buyer. The popularity of the 20 year term life policy has forced the life insurance companies not only to improve this policy but the 25 year and 30 year term policies as well…

They have lowered rates considerably and in rear cases have given the owners of these policies the option of continuing them after the end of the term period. More often than not at a higher premium. These improvements tend to give term life insurance policies a kind of permanence.

Although some life insurance companies have had term to age 65, term to age 80 and term to age 90 for a long time they were virtually unknown to most people perhaps because the life insurance agents never promoted them much…

The seeming permanence of the 20 year term life insurance policy as well as that of the 25 year term life insurance policy and 30 year term life policy is here to stay to the great delight of the consumer as well as those who promote these policies.

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