Do you have any diseases that would cause your life insurance premiums to go up? The reason why I am asking this is because a lot of people will wait until it is too late to get life insurance and because of this they have to spend a lot more money and sometimes run the risk of simply being denied.
If you want to find cheap life insurance even though you have a disease of some kind, then you will have to do a little bit of work first. The reason why you will need to do a little bit of work is because not all life insurance companies will underwrite a person who has a disease that could kill them. What you must do is go around and get some insurance quotes from different companies that will underwrite you with your disease. Read more…
It’s common sense to choose a safe car. After all, if you are involved in an accident, you naturally want to have the best possible chance of coming out of it unscathed. Choosing a safe car can also be beneficial for your car insurance costs.
There are a couple of different factors that are taken into account when deciding how safe a certain car is, so it’s worth investigating this whenever you are buying a new car. For instance, cars are tested against how well they are able to avoid accidents in the first place. Thi Read more…
When it comes to your property, there are many different types of insurance that are available to you. If you are a homeowner, the best thing you should do would be to purchase an extensive homeowners insurance which will protect you against any damages to your property. On the other hand, if you are renting, it then makes perfect sense to obtain renters insurance so that you get the peace of mind in knowing that you will be covered if there is anything that happens to your assets. Homeowners and renters insurance are highly popular and as such, it is highly likely that you will be able to get good deals for both types of insurance.
The good news is that there are many different types of coverage for those who are interested. Read more…
The Florida Supreme Court has ruled that Geico car insurance must pay for damage and injuries from a rental car crash, even though the driver was not their insured. Geico argued that they were not liable for the coverage because the person driving was not an authorized driver under the rental contract. But after all was said and done through multiple courts, Geico lost the battle. Since the driver who got in the car accident was authorized by another driver who was authorized by the insured driver, that trumps the fact that their name was not on the rental car contract.
Insurance Journals article, Insurer Must Pay for Florida Rental Car Crash by Unauthorized Driver, shows that car insurance quotes which cover any authorized driver on your vehicle include rental cars. The rented car was a temporary substitute auto for the insured driver, so those authorized to drive the vehicle are covered in the case of an accident. This trumps the fact that the insured driver was the only one authorized by the actual rental car company. Sadly, the reason for all of this litigation is that minors were badly injured in the car crash and one passenger lost their life. Be sure to know the details of your car insurance policy if you are authorizing someone else to driver your vehicle.
Jelf Insurance Brokers have announced the appointment of Lee Gwilliam to the post of business development executive.
Gwilliams appointment is made with a view to enhancing the firms profile in the South East, and he is to be based in the Guildford office.
In his new role he assumes responsibility for business growth and service delivery within the branch, as well as formulating bespoke products and schemes for traders.
Earlier in his career Gwilliam worked for Willis as a business development executive and is a specialist in care, construction and manufacturing.
He will report directly to Regional Managing Director Chris Gibson, who said that he was thrilled to welcome Gwilliam on board and praised his wealth of experience.
Car insurance provider More Than has launched an eClaims service, enabling customers to track their claims online right from registration to completion.
The new eClaims service will provide customers with regular automatic updates about the status of their motor insurance claims either by text, email or by logging on to the More Than website.
Ian Thompson, UK personal motor claims director, said: We regularly ask our customers how we can make their lives easier.
We want to make sure were communicating with our customers in ways that are convenient to them and this new service offers a flexible, time-saving, efficient way for our customers to stay up-to-date with their claim.
Our aim is to get our customers moving and give them the crucial support they need, while taking the stress out of an already difficult situation.
You never want to pay more for insurance than you have to. Tickets and accidents are never a good thing as far as insurance is concerned. Although your insurance rates wont be affected in every case, its best to avoid them altogether to negate the risk.
Speeding tickets will generally cause you to pay the most money. Insurance companies dont look favorably on speeders since theyre recklessly disobeying the law and putting themselves and others at risk. Speeders are also more likely to file a claim in the event that they get into an accident.
There are many other types of tickets that you can besides speeding tickets.
The Financial Services Authority (FSA) and the Office of Fair Trading (OFT) have published proposed guidance on payment protection insurance (PPI) products.
Both watchdogs are monitoring the market as it shifts away from the disastrous PPI offerings of the past and new products or product features are developed.
These include short-term income protection and debt freeze or debt waiver products, sold alongside a credit agreement or mortgage.
In particular, the FSA and OFT are looking out for products or practices that could cause detriment to consumers and the FSA has outlined four key areas of concern, as follows:
1. Firms not properly identifying the target market for the protection product.
2.
Its been a few weeks since our last video post, but since were approaching Thanksgiving (two weeks can you believe it?) we thought it would be a good time to post this reminder about Holiday Road Trip Safety.
Remember, even if your holiday travel is only taking you to the grocery store, always use your safety belt, and be sure you have your auto insurance companys information programmed into your cell phone.