Alabama Tornado Teaches Lessons about Public Adjusting

Next month, the Alabama legislature will reconvene and has the chance to license public insurance adjusters. Currently, Alabama is one of the few states that does not recognize public adjusters. But after the devastation last year, the value of public insurance adjusters is coming to light.

The reporting that:

State insurance officials and others are working on legislation that would let Alabamians with insurance claims hire their own adjusters, clarifying what has been a gray area of the law.

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Posted Jan 16, 2012 | by Kyle Evans

Collision caused Swinton car insurance confusion

My car insurer, Swinton, rang me to ask if I wanted to renew my insurance. I said I wasn’t sure, as I was planning to get a lease car through work in the autumn. Swinton said it wouldn’t be a problem and I could easily cancel my policy. I asked if there would be a charge for cancellation and was told it would be “about £50″, and if I took out the policy I would get a £60 bonus in October, which would cancel out the charge.

Once my lease car had been organised, I rang Swinton in late October to cancel my policy. The bonus had never arrived, despite my ringing to inquire about it (I was told it would come on the 17th). I

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Posted Jan 09, 2012 | by Eric Flores

State Legislators Debating Health Insurance Exchanges

Ohio Legislature, Lt. Governor Debate Health Exchanges

Ohio democrats are battling with the state’s lieutenant governor over the creation of a health insurance marketplace. The proposed legislation by the minority democrats would set up the Ohio Health Benefit Exchange Agency that would in turn start an exchange from which Ohioans could shop for and compare health insurance policies.

The Columbus Dispatch is reporting that the move would not only bring about an exchange, a key component of the new federal health care law, but would significantly reduce the authority of Lt. Gov. M

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Posted Jan 09, 2012 | by Daniel Scott

Thoughtful Tips To help You Acquire The Insurance You need

Should you want aid locating low-cost dentist insurance quotes, appear at our ideas and understand the best way to get cost-effective insurance that suits you very best. Understanding how the insurance firms perform is really vital when trying to find the least expensive insurance quotes. Well teach you how youll be able to lower your premiums. Read on.

No matter which kind of insurance you are looking to purchase, do not get a plan that covers too much. You will just end up paying too much for things that you are not going to use. If you are unsure of just what you need, you can ask an advisor.

As it really is with any other types of insurance, raising your deductible will lower your premium payment.

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Posted Jan 03, 2012 | by Daniel Scott

Financial advisors, consumers must be on same page with disability insurance

“Significant” opportunities exist for financial advisors to better educate consumers about the risk of income loss from illnesses or accidents, and to better prepare them to mitigate loss, a new survey says.

To help consumers financially plan, advisors must repair the disconnect between their assumptions about the consumer mindset and what consumers actually believe about disability risk, according to a survey by the Council for Disability Awareness (CDA).

Exactly 83% of consumers believe “a disability could happen to anyone at any time,” while just 35% of advisors thought consumers would agree with this statement.

About 33% of consumers expect a disability would prevent someone from ever working again, but advisors accurately predict shorter disabilities occur more often due to common causes such as chronic disease, back pain and arthritis.

Nearly two-thirds of consumers said it’s important to start planning financially for a potential loss of income “in their 20s” or “at any age,” yet financial advisors perceive consumers “in their 40s” are most open to discussing income protection.

Even when consumers and advisors are in agreement, their shared beliefs could be inconsistent with the facts, the survey reported. Most consumers and ad

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Posted Dec 31, 2011 | by Eric Flores

Why You Need Holiday Insurance

Preparing for holiday should include investigating insurance to cover the unexpected. Whilst no one wants to think of problems, taking a trip does expose one to several risk, both large and small. From travel delays, to more serious medical issues, the responsible traveler should investigate holiday insurance options to help protect them and loved ones from the unexpected.Holiday insurance is quickly becoming a standard part of trip planning. Before you leave on holiday, it is wise to understand the benefits of holiday insurance and what typical policies cover. Read more…

Posted Dec 10, 2011 | by Admin

Understand the individual health insurance coverage plans

The role of family medical health insurance is an important issue in the current social atmosphere. The cost of the medical treatment is growing day by day and citizens are generally worried about the expenditure on the item. Hence, the introduction of individual medicare insurance coverage is an opportunity to most families in the nation and thereby they get the advantage to get the proper financial support in times of need. The medical treatment is accessible to common people in this manner, which is a great thing in modern life.

There are umpteen insurance companies that offer health insurance policies to people on different terms and conditions. Read more…

Posted Dec 09, 2011 | by Admin

Joint Life Insurance for Married Couples

If you have children, life insurance coverage is very important, whether or not your partner also has a job. Life insurance protects your family in case of untimely death. In most cases, spouses and their children experience a hard time getting over the loss, not only emotionally but also financially. If you are married and are purchasing a life insurance it is best if you consider buying a universal joint life insurance with your spouse. Read more…

Posted Nov 30, 2011 | by Admin

Medicaid and CHIP Receive High Satisfaction Scores in CMS Survey

The Centers for Medicare and Medicaid Services (CMS) have released the findings of a survey of over 1,900 low-income families which show that two public health insurance options, Medicaid and the Children’s Health Insurance Program (CHIP) are meeting the needs of those they serve.

The report, entitled “Parents’ Views of CHIP and Medicaid: Snapshot of Findings From a Survey of Low-Income Parents,” contains data from survey questions from 1,936 parents of children under the age of 19 whose household income is below 250% of the federal poverty level. The sur

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Posted Nov 26, 2011 | by Daniel Scott

Why was my Admiral car insurance policy also a write-off?

I suffered a house burglary during which my car was also stolen. I reported the theft of the car to Admiral insurance on 31 May and was told that it would be immediately treated as a write-off, and to send Admiral my insurance documents and spare key, which I did the following day. I was also advised to inform Admiral if the car was found.

On 5 June I called Admiral to inform them that the car had been found and needed repair. The car was judged not to be a write-off by Admiral engineers, so Admiral repaired it and returned it to me.

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Posted Nov 21, 2011 | by Eric Flores