Car Insurance Estimator – What You Need

Such calculator asks a number of questions; each answer will be used as variable to make quotes and determine the premium fee. The questions can be divided into two main categories including vehicle-related and personal information. Some of the most common questions you see in car insurance estimator are listed as follows:

1. What is your age or birth date?

Age plays a role in the overall estimation. The insurance company considers very young and senior citizens high-risk drivers. The former group probably lack of experience, and there is a high possibility that young drivers break some traffic laws, commit violations such as speeding, etc. The latter group probably has some limitations in terms of vision, hearing, and driving skills, meaning the chance of being involved in accident increases as well.

2. What is your profession?

Car insurance estimator uses drivers' professions to calculate accident rates. There is a statistic suggesting that certain professions such as doctors, real estate brokers, lawyers, business owners, and salespeople are considered stressful jobs; insurers believe that stressful jobs affect concentrations on driving. Cal insurance calculator may determine higher insurance fee based on this factor.

3. What kind of car you drive?

Car model affects insurance rates as well. Car insurance estimator may treat luxury cars like the more expensive assets to insure. In case of accidents, vandalism, or theft, luxury car is more likely to cost more to repair compared to its cheaper counterparts. Sports car with high top speed and quick acceleration rate is quite risky to insure as well, so insurance companies tend to charge more for such vehicles.

4. How many cars to insure?

The good thing is that the more cars listed in the same insurance policy, the more discounts you probably get. The discount is based on bundling option, so you can be eligible for other discounts if you insure your house, health, and life with the same company as well.

5. What is your address?

Car insurance estimator uses your address to determine if you live in certain area where crime rate is considered high. You have to pay more to protect the car if you live in risky towns.

6. How many violations on your driving record?

Driving record is evidence where DMV lists all previous accidents in which you were involved, traffic violations, and every traffic ticket. The insurance companies uses the data to determine whether you are low-risk or high-risk driver.

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Benefits of Having Dental Insurance

Many people do not think of their teeth as something that can affect their overall health. The truth is, it can. It is for this reason that many dentist recommend that a person gets an oral exam at least every six months. During an oral exam, a dentist will determine what dental work, if any, needs to be completed to ensure proper dental health. These regular oral exams and subsequent visits that may be needed to get dental work completed can be draining on the finances. Having a insurance plan can help alleviate some of the financial burden.

People shy away from purchasing insurance because they see it as an additional expense they feel they can live without. The fact of the matter is it is indeed an added expense but people who shy away from it are not looking at the big picture. When comparing the amount of money spent on insurance and the patient’s portion of dental services with the money spent paying one hundred percent of the bill, the difference is significant. This goes to show that a person can save money in the long run with dental insurance.

Most dental insurance plans will completely pay for preventative maintenance care. This will typically include dental x-rays and two regular dental checkups. With an average cost of about one hundred fifty dollars just for the exam alone, this transforms into instant money savings. If during the regular dental exams the dentist determines there is further dental work to be done, dental insurance will cover that too but not completely as it is with preventative maintenance care.

On average, insurance will cover about eighty percent of most types of dental work that may be suggested by a dentist. Before the insurance covers this percentage, insurance policy holders will have to meet a specific deductible. This amount will vary among insurance providers. The deductible is paid directly to the dentist office at the time of service. Once the deductible is met, then subsequent services will be billed to the insurance company for the portion covered by the dental insurance policy.

There are dental procedures that are considered to be cosmetic because they will not affect dental health or overall health. An example of a cosmetic procedure is teeth whitening. Some dental insurance policies will cover cosmetic dental procedures at a much lower percentage than that of typical dental work. Some cosmetic procedures can be costly but with the coverage by a dental insurance policy, the cost savings are well worth the cost of the plan.

Dental health is extremely important although most people do not realize it. Having dental insurance will allow a person to keep in good oral health as well as save money doing so. Insurance can be an added expense but when a person looks at the big picture, dental insurance provides a large amount of savings. Each insurance plan is different and should be carefully examined before purchasing a plan.

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Homeowners Insurance Options – What is Good Neighbor Property Damage?

There is a certain type of coverage option that is often included in a standard homeowners insurance policy that many people are not aware of. It is called the good neighbor property damage coverage. For people who have it, and many do, it will provide you terrific protection for damage caused to your neighbors home that you would be considered liable for.

How does it work? Simple. Coverage is provided for damage caused to a neighbors home by you cutting down a tree and having it smash in their fence. Or, coverage is provided if your kids are playing ball in the front yard and a ball goes through a neighbors window. Surprisingly, coverage is provided even if your neighbor can prove that your kids did damage to their home intentionally.

Damage caused to your neighbors house by pets is also covered with this good neighbor property coverage. If your dog chews a hole in their fence or gets into your neighbors home and destroys their carpet or furniture, you are covered.

The amount of coverage provided varies from insurance company to insurance company but most coverage limits are between one thousand dollars and two thousand dollars. The best part about it is there is no deductible that needs to be paid when making a claim. Simply contact your insurance company and explain what happened. Sometimes you will have to come out of pocket to repair the damage, then wait for reimbursement. Other times, the check will be sent out immediately once the damage to your neighbor’s home is assessed.

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Fire Claims – Tips for Filing an Insurance Claim

After suffering a fire the homeowner will need to do file a claim for property damages so they can clean up and start to rebuild. Fires are devastating and sometimes homeowners will make a costly mistake during and after the settlement of their fire claims. Most will let a fire claim adjustor come survey their property and make the claim but there can be things that are missed during the initial claim. One thing to note is that after the insurance company sends you a check and closes the fire claims the homeowner has three years to add to the existing closed claim. This can be done if it is found that the damages were not assessed correctly. To help make sure that you get the right settlement for your fire claims, here are some tips to help you.

Document the damage to your home and other buildings

Take the time to inspect and document all of the damage yourself. If the home is not a total loss make sure that you take pictures of the damaged rooms. Try to take overviews and some close-up photos. Before you enter the room, hall, or closet take an overview. By doing this it will help you to organize your pictures and which ones belong to which room. For example, with the living room, take an overview, then go from top to bottom of the walls, ceiling, doors, and the floor.

Document damage to your contents

The next step is to go back to each room and closet to inventory your contents. For everything that is damage, including clothes, shoes, furniture, paintings, etc that have been damaged by the fire making sure to show the damage on the picture. Yes, this is going to take a lot of pictures but everything needs to be documented in order to get the right settlement. Make a list of all contents that have been damage. Once you have listed the damaged items and have the pictures take another look around the room to make sure that you have not missed anything. Make an inventory list for each room with the pictures attached.

Review your insurance policy

Yes, insurance policies are hard to understand but before filing fire claims you should take the time to review your police basics, such as how much coverage you have on your home, how much coverage is on your personal belongings, and how much will the policy pay for you to stay in a hotel.

Once you do fire claims the fire claims adjuster will cover to the site of the fire and start their own claim. Do not give them the original photos and inventory claim sheet but a copy. This will help them expedite the claim.

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Boat & Vessel Title Insurance – Protecting Your Watercraft Investment

Just as real estate titles are subject to record errors, preexisting liens and other encumbrances, vessel and boat titles may have hidden problems which can pose a liability to new vessel owners. The best way for buyers of watercraft vessels, yachts and boats to protect themselves from these liabilities is to purchase title insurance. Agencies which provide this kind of insurance perform thorough investigations of title histories to ensure the vessel title is in “good opinion”. Vessel title insurance also ensures vessel owners financial protection in the event of a lawsuit or other financial losses due to complications with the title.

Why Do Watercraft Vessels Need Title Insurance?

There several types of problems which can occur on boat titles. Buyers of vessels are usually unaware that any of these problems exist – until they are slapped with an ownership lawsuit or fees associated with prior liens. Insurance agencies hire underwriters and title attorneys to investigate the title’s chain of ownership to uncover these problems – and resolve them – before the sale occurs.

Common problems associated with yacht and vessel titles include:

Fraud. Forged or fraudulent documents can occur at any point in ownership history. Vessel brokers or previous owners sometimes attempt to sell vessels under false titles, defrauding both the vessel mortgage lender and the new owner. In some rare cases, the mortgages in the vessel’s ownership history may be revealed as fraudulent. Additionally, watercrafts may be registered with both the US Coast Guard and the State, allowing vessels to carry more than one “valid” title. Multiple titles can precipitate multiple mortgages for which the vessel owner can be held responsible.

Ownership disputes. Even though a vessel owner carries a valid Certificate of Documentation and Federal boat registration, he or she may still be subject to ownership disputes. These documents do not have the ultimate authority to determine ownership; only the yacht or vessel’s underlying contract can determine ownership. If the vessel title’s underlying contract is drafted on fraudulent documents, the buyer’s ownership could be rendered void.

Preexisting mortgages or liens. The new owner of a watercraft is held responsible for any unpaid taxes, unresolved mortgages and unpaid contract work associated with a vessel’s title, even if he or she was not privy to them at the time of purchase.

Watercraft buyers may ask for a title opinion before finalizing the sale. While a good opinion provides some assurance against disputes, vessel title opinions and abstracts may not always be reliable. Erroneous records, improper documentation, fraud and human error can lead underwriters to draft faulty title opinions. The only way for the buyer of a yacht or boat to protect him or herself against these complications is to purchase vessel title insurance.

How Does Boat Title Insurance Protect Me?

In addition to performing a thorough investigation of the vessel’s ownership history before the sale is complete, title insurance companies provide financial compensation in the event of a lawsuit. Vessel title insurance typically covers the cost of legal defense against …

Repricing on Health Insurance Claims

We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting …

Health Insurance: The Race Against the Clock

There is still time for Congress to pick up the pieces of changing the healthcare system to help stabilize it. The fate of the Affordable Care Act is yet to be determined. In the meantime, people wait while paying extremely high premiums and have mountains of out-of-pocket bills on the kitchen table. Where is the affordability of the Affordable Care Act?

Tick Tock for the insurance companies as well. They are under a timeline for filing dates this summer. Insurance companies have time to decide if they will still offer ACA plans or not. By withdrawing ACA plans, things will start moving back to before the law was signed. This time capsule can be good for many.

The insurance companies may begin screening for health conditions. Do not panic just yet! Years ago, the only problem with pre-existing conditions was not ‘if’ an insurance company would take you, but which one. Each insurance companies had personalities for health conditions. Just because a big name insurance company turned someone down, that did not mean you could not get health insurance from another company. Insurance brokers just had to match the personality with the insurance company. It is as simple as that.

If nothing happens by late March, we could be moving into more increases on the health plans in 2019. This is terrible news for folks on the brink of losing their health insurance due to cost. Not everyone does well enough to pay for their health insurance with no problem, and much more do not qualify for any government subsidies for the premiums.

Governors in Alaska, Ohio, Colorado, Pennsylvania, and Nevada came up with “A Bipartisan Blueprint for Improving Our Nation’s Health System Performance.” It brings together a high-level overview of what some changes should occur. It does not get specific enough to make a difference. Maybe it is too soon at this point. However, policyholders need some answers, and hard proof something will change that will benefit them.

Collective action by 20 U.S. States recently sued the federal government claiming the law was no longer constitutional after the repeal of individual mandate starting in 2019. Individuals and families not having ACA compliant coverage will no longer be fined a tax penalty in 2019. The Individual Mandate was the very rule that was determined by the Supreme Court in 2012 saying it was constitutional as a tax penalty.

The future of the law and health plans are yet to be determined. Since 2014, it seems that most policies are changing every year. Every year the premiums go up, and the policies cover less. At what point is the breaking point? With this race against the clock, we will have to wait until the clock stops to know if we have real change coming.

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Frozen Shoulder Physical Therapy – Will My Insurance Cover It?

The unfortunate individuals having to deal with adhesive capsulitis (also known as frozen shoulder) many times end up choosing frozen shoulder physical therapy as their treatment choice. If the person has decent insurance this is a wise choice, however since this condition knows no economic boundaries, many times the sufferer has less than adequate insurance and is faced with the possibility that their particular policy will not cover such services.

Traditionally in the past Medicare has always covered physical therapy services provided they are medically necessary. However there has been an ongoing battle in congress on whether to cap physical therapy services after a certain amount has been paid. A cap is very limiting as it usually encompasses other ancillary services. This means that if someone has extensive medical problems they may have very little if any therapy covered by the time they need it. Frozen shoulder physical therapy in particular requires multiple sessions with one-on-one joint mobilization in order to achieve functional range of motion.

Recipients of Blue Cross Blue Shield insurance typically have been covered at the rate of 80/20 – that is 80% insurance responsible and 20% patient responsible. However it is becoming more frequent to see some BCBS policies limiting outpatient therapy to a number of visits per year. Good luck if you have a particularly bad year with more than one injury or surgery requiring PT. Make sure you, as the recipient of health care, do your due diligence towards what your individual policy may cover regarding therapy.

Individuals injuring there shoulder on the job may be covered by Workmans compensation. All employers with greater than 5 employees are required by law to carry Workmans compensation insurance. This does not necessarily mean treatment for your injury is covered. The resulting injury and development of adhesive capsulitis must be documented as work related. Therefore all work related accidents or injuries must be reported to a supervisor who documents the dates and times of the occurrence as the first step. It is also a good idea to keep your own log of dates and times, mileage, etc… if you are injured during the course of performing work duties.

Medicaid recipients will need to check with their provider to see if Medicaid is accepted. If it is, then consult with the therapist directly as to how many units or allowable charges his or her plan of care may require. Medicaid restricts certain charges to a finite number per year.

All-in-all, frozen shoulder physical therapy is covered by most insurance plans in some form or fashion, but each individual will need to due a little investigation to make sure they are covered and do not end up with out-of-pocket expenses.

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Benefits of Life Insurance for Seniors

The majority of senior residents of North America are not able to afford long-term care due to the high cost. Only a few seniors use their insurance to cover the expenses for long-term care. This is a serious issue; too many seniors are unprepared for these costs, leaving them and their families at financial risk. There is a solution: purchasing life protection can help cover all possible expenses for long-term care. There are also several other advantages of purchasing life insurance for seniors; find out about these below.

Provide Financial Support for Your Spouse

Married elderly couples are often anxious about leaving their better halves with debt after passing away, and for good reason. Funerals in countries of North America are quite expensive – they can cost as much as $5,000 or more. Not every family can afford these costs, and that is why life coverage comes as a practical solution.

Life protection policies can fully cover the expenses of the funeral and burial of one spouse, and that coverage can bring some peace of mind to the insured person. Covered by a life protection policy, the individual can be sure that his or her significant other will receive the necessary support to deal with the financial side of a funeral.

In addition, a surviving spouse can use the funds from the coverage to increase the benefits from their pension plan.

Life insurance for seniors makes it simpler to deal with the expenses of a funeral, and that means the financial pressure does not add to the already-stressful situation.

You Can Still Get Life Insurance If You Are Sick

A lot of the insurance companies that provide traditional life protection policies often refuse to provide life protection for seniors who have pre-conditions. A serious illness poses a high risk to your life, not to mention the fact that advanced age also contributes to that increased risk. These are the main reasons an insurance company will decline your life insurance application.

Having a pre-condition does not mean you are left without life coverage at all, though. There are many insurance companies that do provide insurance for people who cannot or do not want to undergo a health exam. This type of insurance, often called no medical life insurance, does not require a medical examination for qualification; however, this feature also makes the price of this type of insurance higher, compared to a traditional life protection policy.

There are two types of life insurance policies that do not require a health exam: guaranteed issue and simplified issue. Guaranteed issue insurance plan requires no medical tests and no medical questions; that means that you are approved for this insurance automatically, but you will have to wait two years before the policy starts to work. Simplified issue insurance requires you to answer a series of questions, but there is no medical examination, and the policy provides coverage from day one.

The Bottom Line: Life Insurance Is a Reasonable Choice for Seniors

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Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, “insurance specialist” will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views “insurance agent ” look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance …