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Archived Articles about Insurance
Interested In Lowering Your Teenaged Vehicle Insurance Premiums - Read These Five Tips By: Frank Froggatt
If you're thinking of putting your young adult in your car insurance, you better grasp that these days it can be awfully expensive. With this being said though it is still important to do so if you plan on letting your teen drive your vehicle.(read entire article)(posted on: 2009-08-30)
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Cheaper Car Insurance For Safer Vehicles By: Danny Aaron
Buying a vehicle that is considered safer to drive than other cars might result in a lower premium. This article investigates this concept.(read entire article)(posted on: 2009-08-30)
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How To Achieve A Hassle Free Car Insurance Claims Process By: Danny Aaron
Most of us will be involved in a motor collision at some point in our lives. Unfortunately this is not something we can avoid, even if we are the best drivers. Sometimes the accident can be caused by other motorists on the road. Having the best car insurance policy for your circumstances is the key to a hassle free claims process.(read entire article)(posted on: 2009-08-30)
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Car Insurance For A Day By: Danny Aaron
Most car insurance policies will cover only one vehicle. This is the vehicle that is licensed to be driven by certain people with specified security measures. People then get into a comfort zone with their insurance, and do not even think about whether they will be protected should they drive another vehicle for a day.(read entire article)(posted on: 2009-08-30)
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Travel Insurance- How Much Important For Travelers By: Naina Parler
Whether you go for business purpose, vacation purpose, you must have travel insurance policy that can solve your any problem during travel without any hassle. Since travel insurance plan covers your health risks, luggage risks and some other risks and thus, you can enjoy better even when you are out of town.(read entire article)(posted on: 2009-08-28)
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Auto And Home Insurance California By: You can never be denied auto insurance based on yo
You can never be denied auto insurance based on your gender, race, or ethnicity. In most circumstances, a company cannot refuse to sell you insurance based on where you live as long as you meet the company’s acceptance criteria. If you are denied auto insurance coverage, the agent or company must state a reason. Common reasons include:
• You do not meet any of the company’s acceptance criteria*.
• The insurer is a “membership company†that only covers certain categories of drivers.
• The Department of Banking and Insurance has permitted the insurer to stop writing new policies.
You have the right to cancel or change insurance:
You can shop for cheaper auto insurance at any time – not just when your policy is up for renewal. If you find a better price, you can cancel your old policy and seek a refund of your unused premium. However, never cancel your old policy until a new one is in effect. A lapse in coverage will result in higher rates in the future.
You have the right to change your coverages and policy limits at any time, even if you are not near your renewal date. If you select lower policy limits or cancel nonmandatory coverages to save money, you have a right to a refund of your unused premium within 60 days.
You have the right to choices:
Agents, brokers and companies must inform you of your coverage options when applying for a new policy, or at any time upon your request if you are already insured. You have the right to know how each choice may affect what you pay and what your benefits would be in the event of an accident. You always have the right to ask about additional options.
You have the right to a timely response:
You have the right to a timely response when seeking an appointment or application from an agent, broker or company. Appointments should be scheduled so that you can obtain coverage before your current policy expires. Please note that under current insurance regulations a voluntary insurance company has five (5) business days from the date it receives a completed application to either issue or deny coverage to the applicant. However, an application is not considered complete until the company has obtained all pertinent information, including a copy of the applicant’s driving record from the Motor Vehicle Commission and verification of any previous coverage. Therefore, the overall application process can take up to two weeks. Make sure you give yourself enough time to shop for coverage.
You have the right to the prompt and fair handling of claims:
You have the right to ask about any payments made to others by your company and charged to your policy. If you file a claim, it should be handled promptly and fairly. If a claim is denied, you must receive a written explanation for the denial.
Your obligations as a New Jersey driver:
New Jersey state law requires that any registered vehicle be covered by an insurance policy. Failure to maintain coverage can lead to higher prices for new policies, placement in the “assigned risk†pool, suspension or revocation of your driver’s license or registration and additional fines and penalties. Maintaining your auto insurance coverage requires that you:
• Always make payments for your policy on time or a lapse in coverage may result. A driver who incurs a lapse will end up paying far more for coverage.
• Always provide any information your company seeks. Auto Insurance companies have the right to seek information about all licensed drivers in the household.
• If you receive a non-renewal notice, do not wait to shop for alternate coverage. Policies can be prepared in advance to become effective on a date several days or weeks after the application.
A driver who mails a renewal payment before the due date cannot lose coverage. However, insurers can charge the driver a late fee if the payment is postmarked On time, but arrives after the payment due date.(read entire article)(posted on: 2009-08-28)
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Practical Ways To Evaluate Short Term Health Insurance By: J.J. Yong
The needs for healthcare plan are increasing especially during financial hard times because the cost of obtaining medical services is getting higher. As a result, people tend to obtain short term health coverage to fulfill their needs temporarily. Is evaluating short term plan hard? Not really! You will be able to make the right decision that benefits you most if you are taking the right steps.(read entire article)(posted on: 2009-08-27)
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Evaluate Your Current Life Insurance Policy By: Barclay Win
Evaluate Your Current Life Insurance Policy, Term Life Insurance Policy Or Whole Life Insurance Policies For Better Life Insurance Coverage From A Good Life Insurance Company. Get The Information About Life Insurance Providers, Life Insurance Market, Life Insurance Trends, Life Insurance Industry, State Insurance Guarantee Associations And More.(read entire article)(posted on: 2009-08-27)
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Redundancy Insurance Cover - Financial Succour In Times Of Unemployment! By: Kirthy Shetty
Have you bought a home? Then, you must have taken mortgage loan and used your house as an equity against these mortgages. Timely payments of your mortgages have been a problem for you due to your financial instability.(read entire article)(posted on: 2009-08-27)
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Car Insurance For Unlicensed Drivers By: Danny Aaron
Most people think that without a drivers license they will not be able to obtain car insurance. We explore this myth.(read entire article)(posted on: 2009-08-27)
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