tag:blogger.com,1999:blog-37346724080967900922024-03-09T02:09:40.465+08:00Insurance Guides And TipsAll about Insurance Guides And TipsAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.comBlogger131125tag:blogger.com,1999:blog-3734672408096790092.post-18753615259980224342008-10-09T01:39:00.000+08:002008-10-09T01:39:00.137+08:00How and When to Cancel InsuranceDeciding to cancel your insurance is serious business, and shouldn’t be taken lightly. Although different states and companies have differing policies on how to cancel an insurance policy, an insurance cancellation letter is always your safest bet. Few companies like loosing business, so some may make it a bit difficult to cancel your policy. A cancellation letter serves to cancel your policy and you can keep a copy for your records, in the event that the insurance company tries to give you a hard time.<br /><br />You may be wondering; what exactly is an insurance cancellation letter? Luckily, there are sample insurance cancellation letters online. These examples will make sure that you give the pertinent information to the insurance company. The last thing you want to do is send a letter that doesn’t actually cancel your insurance policy. Basing your letter on a good sample insurance cancellation letter works, because they usually display the common information that most insurance companies need to see. However, to be on the safe side, you should contact the insurance company to see if there is any additional information needed.<br /><br />Sample insurance cancellation letters provide information such as, why you are deciding to cancel your policy, your address, the type of policy, policy number, and your signature. It is highly important that you sign the letter, preferably in blue or black ink. Sample insurance cancellation letters also ensures that you sound professional. People have a tendency to give too much personal information, without getting to the point. After you have typed or written your cancellation letter; you need to send it to the insurance company. If possible, send the letter by certified mail or fax it to the insurance company; so, you are sure that it was received by the insurance company. You may also want to call the company to verify that there is nothing else that you need to do.<br /><br />Now, that you understand what an insurance cancellation letter is, and how to cancel your insurance. You need to consider when to cancel your insurance. Thanks to a few devastating national disasters, insurance has become a vital asset. So, you should cancel when you find comparable coverage at a competitive price. Another good reason to cancel insurance is if you discover that you are paying for coverage that you no longer need. For example, most people choose to cancel collision and/or comprehension on their auto insurance when their vehicle becomes more than 5 years old. The important thing to do before canceling your insurance is to make sure that you will be covered when things go wrong.Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com3tag:blogger.com,1999:blog-3734672408096790092.post-6836018049739386472008-10-08T01:35:00.000+08:002008-10-08T01:35:00.380+08:00Cancellation Of Health Insurance Policies LawyersWhat Is A Health Insurance Policy?<br /><br />A health insurance policy is a binding contract issued by an insurance company to an individual or group which promises to pay for health care reasonably required by the policyholder to treat illness or injury. When you apply for insurance and sign an application, you answer questions and provide information about the medical history of anyone who will be covered under the policy. In doing so, you must reveal any serious medical condition or treatment that might reasonably affect the decision by the insurer to undertake the risk associated with providing the coverage.<br />Can A Health Insurance Company Cancel My Policy For Any Reason?<br /><br />Generally, insurers cannot arbitrarily cancel an individual's coverage under a policy. Federal and state laws prohibit discrimination based upon race, national origin, gender, or age. Some states also prohibit insurers from canceling health care coverage of people with mental dementia (such as Alzheimer's disease), HIV, or mental illness.<br /><br />Under What Circumstances Can A Health Insurance Company Cancel My Policy?<br /><br />Health care insurance policies can be cancelled if there is a material omission or misrepresentation made by a policyholder in the application for coverage. Even if the policy is issued and premiums are paid, the insurer can cancel the policy later if they discover that the policyholder did not disclose significant medical history in the application. The result is that the policy is canceled, the insurer does not have to pay for the care that was rendered, and the premiums paid on the policy are returned to the policyholder (minus a reasonable cost associated with the period of time during which the policy was in force).<br /><br />Are There Any Time Restrictions On When My Insurance Company Can Cancel My Policy?<br /><br />Generally, state law and the policy itself provide that the insurer has only 2 years from the date of application to cancel it. If discovery of the omission or misrepresentation occurs after the passage of the 2 year period of "contestability," the insurer is generally out of luck and cannot cancel the policy. After that, an insurer may only be able to contest a claim on the basis of intentional fraud on the part of the policyholder.<br /><br />Can I Cancel My Health Insurance Policy Without Being Penalized?<br /><br />Generally, there is no prohibition against policyholders canceling their health insurance coverage or their participation in a health service plan. One major exception to this generality is in the case of Medicare assignments. If a Medicare recipient has chosen to obtain private insurance or HMO coverage involving an assignment of the Medicare benefits to the insurer, the Medicare recipient must apply to the Health Care Financing Administration (HCFA) before changing insurers or plans. Otherwise, there is no financial penalty for canceling health insurance coverage.<br /><br />My Insurance Company Has Unfairly Cancelled My Health Insurance Policy: Do I Need An Attorney?<br /><br />If your insurance company cancels your policy without a justifiable reason for doing so, then you should retain an attorney. Health insurance policies can be extremely detailed and difficult to read. An experienced insurance attorney can explain the policy's complex legal terms and inform you whether you have a case.<br /><br />Source : http://www.legalmatch.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com3tag:blogger.com,1999:blog-3734672408096790092.post-37654873644137752402008-10-07T01:35:00.000+08:002008-10-07T01:35:00.438+08:00How To Negotiate A Good Settlement With An Insurance Claims Adjuster<div id="body"><p>The following is an account of <strong>actual events</strong> as they were experienced by me. I was the victim of an <strong><em>injury causing motor vehicle accident</em></strong>. This event happened in September of 2005.</p><p>I was stopped at a red traffic signal with 4 other vehicles, one of which was behind me. The car behind me was rear ended by a BIG RIG. Eye witness accounts report that the tractor trailer was doing in excess of 40 mph and caused damage to all five vehicles. The 1st vehicle to be struck was a lincoln. The lincoln pushed me into a truck in front of me. All three vehicles were <strong>totaled!</strong><strong> </strong>You will learn here what my experience was and how I was able to reach what I consider to be a very satisfactory settlement. <strong>I choose not to use an attorney</strong>, although I interviewed several. I also interacted with 3 different claims adjusters. One from another state just happened to be a friend of mine.</p><p>Earlier in my life I was involved in a family court situation. I was in the domestic relations office more times than I care to remember. It was during this time I started to discover that <strong>attorneys really don’t do that much work for their money</strong>. (<em><strong>This is my opinion</strong></em>).</p><p>What I witnessed was that me and my attorney would go to these hearings and after some pleasantries were exchanged between attorneys from both sides and the domestic relations officer. We got down to business. The same thing would happen. The domestic relations officer would get a chart from his desk drawer and ask me and my ex-wife some questions, like how much did we make each week. The domestic relations officer would then run one finger across the chart and the other finger down the chart. Then he would announce a figure.</p><p>That figure was the amount I had to pay for support. One time I didn’t have the fee for the attorney so I went without one and guess what? The same thing happened. Out came the chart it was searched, and the figure was arrived at by the same method. I didn’t win anything. But <em><strong>I did save hundreds of dollars in attorney fees</strong></em>. It was then that I stopped using an attorney for these situations.</p><p>It was apparent to me that there was a formula which was used whether I had representation or not.</p><p>Back to this topic:</p><p>I wondered if the same thing would happen in my motor vehicle accident situation? I asked myself is this going to be determined by a formula as well? I went to the internet and started to do some research and guess what? For $20 I was able to buy <strong>a book written by a former</strong> <strong>insurance claims person</strong>.</p><p>The information was basic but it gave me enough knowledge to think maybe I could handle this successfully and save myself a boat load of money. If I could find out what the formula was I would be in a good position to fight for a good settlement for myself, by myself. I did not want to pay <strong>30% of my settlement to an attorney</strong> for something I could do myself!</p><p>The first thing I did was to establish control. I emailed the adjuster at the at fault parties insurance company and informed him that all correspondence would have to be either written or email. That way I would have a copy of everything that was said. He called me and left a message saying we would have to have a conversation via telephone to discuss my case. I stayed my ground and informed him via email all correspondence would have to be written or emailed. The adjustors don’t like this because what they say in email they have to stick to. Remember…<strong><em>The adjustor’s job is to get you to accept as little money as possible!</em></strong></p><p>On the internet I found some information about a case similar to mine that was settled in court. The victim was close to my age, had a similar injury as the result of a similar accident. The judge awarded this person nearly <em><strong>$400,000</strong></em>.</p><p><em><strong></strong></em>The adjuster I was dealing with wanted to know what kind of money I was looking for. I told him I didn’t know at this point but asked him based on his experience what could I look forward to from them? The person asking the questions is always in control. The adjuster wouldn’t answer my question. Neither would any of the attorneys I interviewed. But my friend in another state who was working as an adjuster was glad to help me.</p><p>When dealing with an adjustor it is important that you convey to them that you know what’s going on, without being offensive. Give them some statistics and tell them some stories. You may know someone who has been through this and can advise you what it was like for them.</p><p><strong>In my case I have a friend who had the same accident and had been through 2 surgeries, and hired an attorney and had reached settlement. He was willing to share his results with me. </strong></p><p><strong></strong>The bottom line here is that you can settle your own claim. If you need to have surgery I suggest you do seek professional advice. The longer you can wait for your settlement money the stronger your position. Don’t let these people push you around! You want to push them as hard as you can without going to court. Be polite, courteous and firm. These folks want to get through their day and go home without getting all stressed out.</p><p>Once the adjustor has all the paper work he requires and your losses and expenses have been documented it’s time to say <em><strong>SHOW ME THE MONEY</strong></em><strong>!</strong></p><p>In my case the 1st offer was $10,000. Remember the $400,000 settlement above? This just made me mad and I clearly stated that fact. When making a counter offer don’t go to low. You can’t raise your figure. The adjuster’s desire here it is to eliminate any amount above your counter offer.</p><p>Example : If I was to counter the $10,000 with $200,000 then anything over that is off the table. I would suggest you counter with a very high figure which is just as ridicules as the 1st offer. The adjuster told me this was part of the process and then talked down to me by telling me it was called negotiation. I responded by telling him maybe that how it was in his world but in my world I didn’t play games. I told him I would get back to him.</p><p>My wife and sat down and we figured out what our bottom line figure was and when we wanted it to happen by. I told the adjuster that I knew what was going to be acceptable to us and gave him an exact figure. I told him this was it there was no room for negotiation, and I wanted his response with in 3 days. I also told him that if they declined my offer I was done with him and would turn it over to an attorney<strong>.</strong><strong></strong><strong> The insurance companies don’t want attorneys</strong> <strong>involved.</strong></p><p>It cost them more money and when you’re done paying the fees you might be close to what the highest offer would have been anyway! The adjuster called me back that afternoon and accepted my offer. Case closed!</p><p>Copyright (C) John Steven Corbin 2007</p></div><div id="sig" class="sig"><p>DISCLAIMER: The purpose of this article is to help folks understand the motor vehicle accident claim process. It is not required that you hire an attorney. If you feel you need professional help you must obtain it on your own. Neither John Steven Corbin nor any publication offering his articles make any guarantee of any kind. John Steven Corbin is not an attorney and does not offer legal advise. John Steven Corbin's recent publication is titled MOTOR VEHICLE ACCIDENTS - A SPECIAL REPORT and is available at <a id="link_98" target="_new" href="http://www.accident-victims.net/">http://www.accident-victims.net</a></p><div><p>Article Source: <a id="link_99" href="http://ezinearticles.com/?expert=John_S_Corbin">http://EzineArticles.com/?expert=John_S_Corbin</a></p></div></div>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-13911416980113710432008-10-06T06:07:00.001+08:002008-10-06T06:13:54.169+08:00Change of Correspondence Address Sample Letter[Your Name]<br />[Your Old Address]<br /><br />[Date]<br /><br />Manager<br />Customer Service Department<br />[Company Name]<br />[Company Address]<br /><br />Dear Sir/Madam,<br /><br />Re: Change of Correspondence Address<br />Policy No.: [Your Policy Number]<br /><br />I wish to inform you that with effective from [Date], I will be moving to my new house at:<br /><br /><br /> [Your New Address]<br /><br /><br />Please send all correspondence to my new address.<br /><br />I shall look forward to your reply. Thank you.<br /><br /><br /><br />Yours truly,<br /><br />[Your Signature]<br /><br /><br />[Your Full Name]<br />[Your Phone Number]Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-56204296903801308572008-10-06T00:04:00.000+08:002008-10-06T00:04:00.933+08:00Car Accident and Crash Procedures<h1>What To Do in a Car Accident</h1> <div align="left"> <p>Follow the below tips to ensure that all the necessary steps are taken to correctly collect information that your car insurance company will need for your auto accident claim. <strong>A lawyer would also be a good source for proper car accident procedures!</strong> </p><h3>Prepare in Advance.</h3> It’s best to prepare in advance and become familiar with the laws and reporting requirements of the state in which you drive regularly. Some states require that you report accidents to the local Department of Motor Vehicle (DMV). Be sure to have an accident packet in your car. It should contain a pen, paper and accident report forms. Most Accident Report Forms are available online from your state DMV and most car insurance companies will also provide these forms. <h3>When a car accident occurs do the following:</h3> 1. Remain calm and stop the car;<br /> <br /> 2. Shut off the engine and put parking brakes on;<br /> <br /> 3. Assist the injured. Call the police and EMT if anyone is injured or the vehicle is disabled; <p>4. Clear persons from the area if you smell gas or the car is on fire and call the fire department;</p> <p>5. In a minor accident of property damage only, put hazard lights on and drive vehicles to the side or off the road to a safe location. Most police departments encourage parties to resolve minor fender bender situations without their help but will respond if the accident is on a public road;</p> <p>6. Set up flares or reflective triangles in the rear and to the side of the car accident;</p> <p>7. Exchange driver and car insurance information;</p> <p>8. Get the names of the persons in the cars and potential witnesses’ name and address as soon as possible;</p> <p>9. If an officer is called, and an accident report is written, ask when and where you can obtain a copy. Your car insurance company will ask to see a copy. </p> <p>10. Contact your insurance company.</p> <p>11. Possibly contact an attorney or lawyer.<br /> </p> <h4>Your car insurance company will need you to collect the following information at the scene:</h4> <p><strong>1. Car information of the other parties;</strong><br /> Year, make, model and license plate number of the other car.</p> <p><strong>2. Driver information;</strong><br /> Name, address, phone number, driver’s date of birth, driver license number and state issued.</p> <p><strong>3. Vehicle owner information (if different from the driver);</strong><br /> Name, address, phone number of the vehicle owner. If the driver is not the owner of the car, be sure to obtain the car insurance information of the vehicle involved in the accident and not the driver’s own car. </p> <p><strong>4. Car Insurance information;</strong><br /> Car insurance company, insurance policy holder’s name, car insurance policy number, expiration date, and car insurance company address. If the other driver is uninsured, get as much information as you can and call the police for further instructions. </p> <p><strong>5. Witnesses;</strong><br /> Name, address, phone number.</p> <p><strong>6. Attending police officer’s name & business card;</strong></p> <p><strong>7. Photos of the car accident if you have a camera at hand;</strong></p> <p><strong>8. As soon as you can, write down details such as:</strong> time of the accident, weather conditions, visibility conditions, pavement conditions, sky lighting conditions, color of traffic lights, signs on the streets, approximate speed of the vehicles and sequence of events. Draw a sketch of the street and note the direction each person was driving as soon as you can. Write down description of the collective damage and each car’s damage, bodily injuries and property damage.<br /> </p><h2>What NOT to do in a car accident:</h2> Car insurance companies suggest that you do not talk about who is a fault with the other driver. Also do not admit fault or apologize.<br /> You may give the officer an account of the circumstances and the accident but preferably not in the presence of other persons. No one may force you to give details of the accident or admit blame and you have the right to see your attorney before making any statements. If the accident is serious, consult your attorney as soon as possible.<br /><br />Source : http://www.superiorcarinsurance.com<br /></div>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-16960688763750399212008-10-05T01:28:00.000+08:002008-10-05T01:28:04.993+08:00The Straight Letter Of IndemnitySo-called "straight" letters are usually, but not solely issued by title underwriters for matters which are "cured" by the passage of time, even if nothing is done, or for matters which may not actually affect the title to be insured.<br /><br /> The following is a list of common uses for straight letters and the reasons for their issuance as straight letters, as well as some comments on the exceptions themselves:<br /><br />A) Judgments against persons of a similar name to a party which is out of title which do not appear to be against the party at an address discernable from the abstract of title. First, the judgment was probably cleared by an affidavit at the prior insurer's closing. Or, the judgment expires over a period of time.<br /><br />B) Where a judgment is "on the head", a straight letter will be offered, however a Performance Letter or Conditional Performance Letter would be more appropriate, unless an escrow was taken, in which case an escrow benefit letter might be used.<br /><br />C) Another consideration is given to the "Purchase Money Mortgage" rule, where a pre-existing judgment against the purchaser becomes a lien against the property purchased, but is subordinate to a mortgage which is made to finance the acquisition cost of the premises. No letter would be issued from the insurer which handled that mortgage transaction, although a careless reliance on a prior policy for a reissue could cause the issuer of a later policy to miss a judgment, in which case a letter might be appropriate from the later insurer, unless that insurer's policy covered only a mortgage and that mortgage wasn't foreclosed.<br /><br />D) New York State Franchise Taxes (licensing fees, etc.) against a corporation which is now out of title. Again a statute of limitations for enforcement exists and the form of proof taken at closing may not have been adequate;<br /><br />E) New York City Corporation Taxes<br /><br />F) Proofs of Death, Estate Taxes, Etc/.<br /><br />G) Devolution of Title<br /><br />H) All other defects in title that would have been cleared at the insurers closing....<br /><br /><br />The Straight Letter is used as a substitute for a copy of the proofs sufficient to remove the exception, which are obstensibly obtained by the prior company. There are some agencies and companies which have maintained their files in pristine order over the years, and can provide proofs, and others which have taken the attitude that their policy of insurance itself is an adequate substitute for the proofs. The latter companies spend more time issuing letters of indemnity than necessary.Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-11319883224668268922008-10-04T00:18:00.001+08:002008-10-04T00:18:00.992+08:00How to correctly drop your auto insurance<p>Did you recently move to another state? Have you decided your insurance company is no longer right for you? Perhaps you simply feel you don't need to drive anymore. </p><p class="BodyText">In any case, you need to specifically inform your insurance company that you're canceling your coverage — or else at the end of the policy period, you may owe your insurance company some money.</p> <p class="BodyText">Most <a href="http://www.insure.com/articles/carinsurance/">auto insurance</a> policies say that you, the insured, can cancel your policy at any time during the policy period by sending a <span class="italicFont">written notice</span> stating the effective date of cancellation. That sounds reasonable enough, but what happens if you decide to switch companies at the end of the policy term? Doesn't your policy automatically terminate at the end? The answer is no.</p> <p class="SubHeaders"> No fine print to read<br /></p><p class="BodyText">There are two important things you must know if you don't inform your insurance company of your decision to terminate, even if it's at the end of your policy period. First, the insurance company will send you a bill for your next premium payment. Second, when it doesn't hear from you, the insurance company is going to formally cancel your policy because you failed to pay your premiums on time — and that will go on your credit report.</p> <p class="BodyText">If your <a href="http://www.insure.com/articles/carinsurance/">car insurance</a> policy is canceled, it may haunt your insurance future. Cancellation is a red flag for insurance companies looking at prospective customers. If an insurer sees on your claims history that you've recently been canceled, even if your credit rating is good, that may be the basis for denying your coverage or charging you a steep rate as a risky applicant.</p> <p class="SubHeaders">What to do </p> <p class="BodyText">In order to avoid the mess that comes with being canceled, here's what you should do. Call your agent or the insurance company and inform them that you wish to cancel your coverage. Be sure to let them know the date, because if you're not specific, you may end up unwittingly driving around without insurance. Your insurer will then send you a cancellation-request form. The form will likely have all the information filled out when you get it, so you only need to sign it. Take care, however, to look over the information that your agent or the company filled in; mistakes do happen.</p> <p class="BodyText">In addition, if you switch insurers and fail to formally cancel your previous policy, you're going to have to prove to your former insurance company that you have new coverage. Typically, all you need to do this is send a copy of either your current insurance identification card or the front page of your new premium statement. Make sure that the document has your name and your current policy number on it, and send it along with the cancellation form. Of course, if you've moved to a state in which auto insurance is not required, you don't have to prove you have new coverage.</p> <p class="BodyText">You'll likely receive confirmation by mail that your cancellation request has been processed.<br /></p><p class="BodyText">Source : http://www.insure.com<br /></p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com2tag:blogger.com,1999:blog-3734672408096790092.post-84645814972664510552008-10-03T00:48:00.000+08:002008-10-03T00:48:00.117+08:00Sample Credit Card Cancellation Letter<p>Here's a mistake we hear about from time to time: Joe decides to take our advice and reduce the number of credit cards he has in his wallet. So he goes and cuts up a few of his cards and tosses them in the trash.</p> <p>Good for him, right? Well, yes.</p> <p>But Joe needs to take one more step.</p> <p>Here's the problem: <strong>Cutting up your credit cards doesn't close the accounts</strong>–you actually have to let the credit bureaus know that you've closed the accounts. And if the accounts aren't closed, you may hurt your chances of getting credit in the future because it will appear that you've got open credit lines from those old cards. </p> <p><strong>Dolan Smart Money Move</strong>: To close a credit card account, simply send a letter with your name, address and account number to the credit card company, asking them to close the account. The point is to show credit rating agencies that <u>you</u> are canceling and not being canceled by the card company because you're a deadbeat. </p> <p>We want to make this as easy as possible so we've written one for you. To make your point clear, use our form letter below to write to the company:</p> <h3><strong>Credit Card Cancellation Letter</strong></h3> <p>[Your name]<br /> [Your address]<br /> [Date]</p> <p>Dear Sir or Madam:</p> <p>Please let this letter serve as notice that I am terminating my credit card account effective immediately. Please close the following account:</p> <p>Credit Card Company: ____________<br /> Account Number: ________________</p> <p>Please send me written confirmation that my account has been closed. Also, please confirm that you have notified all appropriate credit card bureaus that this account was closed at my request.</p> <p>Thank you for your prompt attention to this matter.</p> <p>Sincerely,<br /> [Your Signature]</p><p>Source : http://www.dolans.com<br /></p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-87125954198884687612008-10-02T00:15:00.000+08:002008-10-02T00:15:00.401+08:00How to Cancel your Auto Insurance PolicyIt’s true there are a lot of fish in the sea and that you’ve got to kiss a lot of frogs before you find the handsome prince, so it’s not unheard of that you may want to switch insurance providers. Like in a divorce, the way to do it is as amicably as possible and without hard feelings for either party. So if you’ve decided you want to play the field and go to another insurance agency, before you fly the coop, there are a few things you need to think about first:<br /><br />– Don’t just stop paying your premium. The insurer will just cancel YOU then, and this will show up on your credit report as an unpaid bill. Maybe a big one, depending on how many months are left on your policy. This will sully your sterling reputation and from henceforth you will be labeled a BAD RISK (read: “deadbeat”) in insurance-land. Whatever company you decide on in the future will then charge you a higher rate – sort of a poetic justice kind of thing. So if you’re going to make the break, be civil about it and at least write them a “Dear John” letter. This will also help to eliminate any confusion and give you a written record to guard against any potential problems with the change. And even if you don’t give a whit, it gives your current provider a little lead time to close out your policy.<br /><br />– If at all possible (like if you’re not moving out of state), postpone your switch until your current policy comes up for renewal. Otherwise, you will pay a penalty for canceling prematurely. The amount of your penalty depends on how much time is left on your policy: The more months remaining, the higher the penalty. You’ve broken their hearts, and now you’re going to pay for it. Just be glad they’re not suing you for breach of promise and asking for the engagement ring back.<br /><br />– Don’t change your mind after you commit. The worst thing you can do is buy from one insurer, get a wandering eye, and buy from another right afterward. The first insurer will really get you for premature cancellation, since they’ve only had you covered for such a short time. Hell hath no fury like an insurer scorned.<br /><br />– Don’t play the field too frequently. Despite rumors to the contrary from spurned policyholders, the insurance biz really does try to maintain an image of trust and good faith. If you’re a company-hopper, no insurer can really get to know you well enough to give you the benefit of the doubt should anything questionable arise in your relationship – kind of like that old lipstick-on-the-collar kind of thing. In this case, it’d be the old dent-in-the-fender story.<br /><br />If you’re determined you still want to check out that greener-looking grass on the other side of the insurance fence, make sure there's no lapse in your coverage. You want the new company to be waiting in the wings, ready to marry as soon as the divorce is final. Coordinate with your new insurer to guarantee that your new policy takes effect as soon as the old one ends. Never, ever cancel your existing policy until you know exactly when your new one begins. If you leave a gap, that little fender bender you might have while you're uninsured could wipe out any new policy savings you had anticipated, and your old insurer will be snickering all the way to divorce court.<br /><br />Source : http://www.autoinsurancecompendium.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com2tag:blogger.com,1999:blog-3734672408096790092.post-49545040985223408752008-10-01T00:07:00.000+08:002008-10-01T00:07:00.692+08:00Sample Letters For Private Mortgage Insurance Cancellation<b><center>Benjamin F. Dover<br /> 606 Young Street<br /> Dallas, TX 75202</center></b> <br /><br /> October 7, 1998<br /><br /><br /> ABC Mortgage Company<br /> 5150 Financial Way<br /> Dallas, TX 75202<br /><br /> <b>REF: PMI Cancellation, Loan Acct. # 123 456 789</b><br /><br /> To Whom It May Concern:<br /><br /><br /> Please cancel my private mortgage insurance at once.<br /><br /><br /> Sincerely,<br /><br /> <img src="http://www.bendover.com/images/bennie.GIF" alt="" border="0" width="125" height="50" /><br /><br /> Benjamin F. Dover<br /><br />------------------------- Template Started--------------------------------<br /><br />{Consumer's Name}<br />{Consumer's Current Billing Address}<br />{Consumer's City, State, Zip}<br /><br /><br />{Date}<br /><br /><br />{Name of Your Mortgage Company}<br />{Mortgage Company Mailing Address}<br />{Mortgage Company City, State & Zip Code}<br /><br /><br />REF: PMI Cancellation, {Your Loan Account Number}<br /><br /><br />To Whom It May Concern:<br /><br />Please cancel my private mortgage insurance at once.<br /><br /><br />Sincerely,<br /><br />{Your signature}<br /><br />{Your Printed Name}<br /><br />------------------------- End Of Template --------------------------------<br /><br />Source : http://www.bendover.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-59792563484316861482008-09-30T00:54:00.000+08:002008-09-30T00:54:00.180+08:00Simple Tips to Make Auto Accident Insurance Claims EasierFiling auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure - so you might as well go about it in the fool-proof manner described here.<br /><br />Tip 1: Inform the Insurance Company about the Accident Immediately<br /><br />Your first priority after an accident is to ensure you and your co-passengers are okay, so a thorough medical check-up is necessary. After you are done with it, call up your insurance company and inform them about your accident. Now would also be a good time to go through your insurance policy and familiarize yourself with the exact terms of your auto accident insurance claim, if you are not familiar with it already.<br /><br />Tip 2: Write a Detailed Auto Accident Insurance Claims Statement<br /><br />Giving as much detail of the accident as possible and supporting your claim with pictures of the accident site, damaged vehicles, etc. is essential. In the claims statement, you must also include medical reports of all injuries that you have sustained in the accident, no matter how small the injury appears. If you add names and contact details of any witnesses to the accident, it adds more value to your claim. All this substantiates your auto insurance claim immensely.<br /><br />Tip 3: Keep Track of all Events Pertaining to Your Claim<br /><br />Whether it is a discussion you had with the police, your insurance agent, or a record of your medical expenses, anything that has got to do with your claim is supposed to be recorded in writing. If your claim is settled in court, these will be used as evidence. Do not try to rely only on your memory; file all bills, receipts, etc.<br /><br />Tip 4: Check all Your Insurance Policies<br /><br />If you have multiple insurance policies, each one may allow you to file an auto accident insurance claim. To ensure you claim all that you are entitled to, you have to know your policies' details, as discussed above. Take time out to review all your policies periodically.<br /><br />Tip 5: Be Honest<br /><br />Honesty with your insurance company is always the best policy. Otherwise your auto accident claim could be disqualified on fraudulent grounds.<br /><br />Diana Joseph has an in-depth knowledge in dealing with in accident claims. She has written numerous articles on injury claims issues, particularly those involving car accident and other topics of claims. Start your claim now.<br /><br />Article Source: http://EzineArticles.com/?expert=Diana_JosephAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-79734652119567148332008-09-29T01:51:00.000+08:002008-09-29T01:51:01.001+08:00Total Loss Settlement Tips1. Release your vehicle to the insurance company immediately their request. This simple step will save you a lot of money in storage charges. If the insurance company is storing the vehicle, there are normally no charges, but if you leave the vehicle at a shop or tow yard, you will be responsible for the storage charges and they will be subtracted from your settlement. Many people have concerns over this, but don't worry, you are the owner of the vehicle, and the company can't do anything to it except hold it until your property claim is resolved.<br /><br />2. Request documentation on the calculated value of your vehicle. This will be one of a few different things, depending on the company. Most companies use either "CCC" or "ADP" to evaluate the market value of your vehicle. If the company doesn't use one of these programs, then they will most likely utilize N.A.D.A. split value as a starting point for your vehicle's value. Remember, no matter what the initial offer is, you can negotiate it.<br /><br />3. Don't get upset! After the insurance company has made an offer on your vehicle, they have the right to terminate rental. If you were in a rental car, the company will most likely advise you to turn it in, and that they will pay no more rental (regardless of whether their offer is fair).<br /><br />4. Inquire about loss of use in lieu of rental. Essentially, loss of use is a cash out option in lieu of rental car expenses. Sometimes, you can get both rental and loss of use.<br /><br />5. Ask about diminution of value. Depending on the State where your claim occurred, and whether your claim is a "First Party" or "Third Party" claim (see definition page), you may be entitled to a cash settlement for the actual or inherent loss of value in your vehicle due to it being involved in a crash.<br /><br />6. Ask about registration fees. You paid for your vehicle to be registered, so is there still time left on your sticker? Ask the insurance company to reimburse you for the unused portion of your registration. Also, ask them to pay for title transfer fees and applicable taxes if they don't offer them up. Many companies will wait to see if you ask instead of paying what they owe.<br /><br />7. Negotiate the salvage value. If you want to keep your vehicle, then the insurance company will estimate how much it would have brought at a salvage auction and reduce your claim by that amount. Essentially, there is a material damage specialist that is "guessing" about how much your wrecked vehicle will bring at auction. Call them out on the salvage value and request that they provide you with a salvage bid from a reputable auction/salvage company, or at least require that they provide documentation on how they arrived at the salvage value (should consist of a list of similarly wrecked vehicles and the price for which they sold at auction, then negotiate for the lowest amount).<br /><br />Justin Petty / Licensed All Lines Adjuster<br /><br />http://www.freeclaimconsultation.com<br /><br />My personal cell phone and e-mail are listed on my website, and I will personally answer my phone to address your questions or concerns. You can also find out how to save a lot of money at the gas pump! I am truly a horse of a different color, so visit my website above and give me a call or drop me a line. I trust you will be surprised when I personally answer the phone.<br /><br />Article Source: http://EzineArticles.com/?expert=Justin_PettyAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-44957253735049813202008-09-28T00:59:00.000+08:002008-09-28T00:59:01.049+08:00Insurance Sample Cancellation Letter 2<p>Feel free to copy and paste the letter below into a word document to create your own custom cancellation letter. This template can be customized for <strong>auto insurance</strong>, <strong>home insurance</strong>, <strong>tenant’s insurance</strong>, <strong>marine insurance</strong>, <strong>liability insurance</strong>, and many other types of insurance.</p> <p>You should make a copy for your records and ensure that you receive the cancellation endorsement once your request has been processed. Also, if you fax your letter, ensure that you keep a copy of the transmission until you receive your refund, if not the company might not have received the letter and will not entertain your effective date when you resubmit.</p> <p>‘Pro-rata’ is a term to describe the calculation of return premium owed to you. Normally if an insured cancels a policy, the refund will be based on a ’short rate’ basis (which basically means less money refunded). It is not guaranteed that the insurer will cancel on a pro-rata basis, but it doesn’t hurt to ask! If you have a noble reason for canceling, sometimes insurers will honor your request.</p><date></date> <p>RE: <type>;<policy></policy></type></p> <p>Dear Sir or Madam:</p> <p>Please accept this letter as my request to cancel the above policy <strong>EFFECTIVE <date></date></strong>. As I have been a loyal customer of <insurance>, it would seem reasonable to cancel the above on a pro-rata basis.</insurance></p> <p>Please send the cancellation endorsement at your earliest convenience. If you require additional information please don’t hesitate to contact me.</p> <p>Best Regards,</p> <p><your></your></p><p>Source : http://insurancesamplecancellationletter.wordpress.com<br /></p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com3tag:blogger.com,1999:blog-3734672408096790092.post-70966436132581042192008-09-27T00:57:00.000+08:002008-09-27T00:57:00.630+08:00What Is An Insurance Sample Cancellation Letter?Although insurance is great, being able to cancel it is sometimes better. For example, when this writer’s parents divorced way back in the Stone Age, they were both able to cancel their life insurance policies and get some cash in order to start their new lives. Since you are dealing with an insurance company, you should expect a hard time from them in trying to cancel a policy. You usually have to write them a cancellation letter. You can find many insurance sample cancellation letters on the web.<br /><br />Communicate With Your Company<br /><br />If you can’t get online (how are you reading this, then?) or if you aren’t sure if the insurance sample cancellation letters on a website might not work for your particular insurance company, you need to ask a lot of hard questions to your insurance company. Look over your policy to see what the cancellation terms are. There might be an insurance sample cancellation letter in all of your insurance paperwork.<br /><br />Worse comes to worse, you need to talk with your insurance agent or a customer representative from your insurance company and ask them to send you an insurance sample cancellation letter that they would accept. Either that, or they could tell you all of the information that you need to put in a policy cancellation letter.<br /><br />Average Information Requirements<br /><br />Here is an insurance sample cancellation letter, containing many of the information requirements of the average insurance company. If you have a friend or family member who works in the legal business, have them look this over. Don’t copy this word for word, please – not unless you really want to make your insurance company roll on the floor laughing:<br /><br />Your Name, Address and Policy Number<br /><br />To Whom It May Concern:<br /><br />I wish to cancel my (type of insurance) policy (repeat number) as of (date) because (reason why). I have told my bank that you no longer have the authority to make automatic withdrawals from my bank account. Included is a check for the amount I still owe you. If my policy is not cancelled within 30 days, I will have to give this to my legal counsel. Thank you for your attention in this matter.<br /><br />You need to either write this really neatly in ink or type it up. Insurance companies pay more attention to typewritten notes. You have to sign it yourself in ink. Pencil will not work, because it can be too easily changed. Also, pencil fades.<br /><br />Source : platformask.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-73160825590708297212008-09-26T00:55:00.000+08:002008-09-26T00:55:01.380+08:00Trip Cancellation InsuranceThere are a lot of unanticipated circumstances that can cause the cancellation of a trip. These include illness, death or injury to the traveler or a member of the traveling party. Other reasons can include the tour operator, airline or cruise line filing for bankruptcy, thus ending your travel plans. There are a wide variety of other unexpected events that prevent you from continuing your travel. In cases where you have already paid for your travel expenses, such as airline tickets, a sudden trip cancellation can be very costly and upsetting. But it does not have to be -- if you have trip cancellation insurance to protect you.<br /><br />Trip cancellation insurance will reimburse you for the expenses you incur if you are forced to cancel your trip before you depart due to an unexpected emergency. Canceling a trip can be really costly since tickets, reservations and related expenses are mostly nonrefundable. Thus, getting a travel cancellation insurance policy really makes sense. Anything can happen before a trip. In fact, trip cancellation can happen any time. Trip cancellation insurance protects you from the anxiety and cost owing to the postponement of a trip.<br /><br />Most insurance companies offer travel insurance policies. If you are looking for the best trip cancellation insurance policy, do a lot of research ahead of time, so that you will know more about the plans offered.<br /><br />You can also browse for information online, and you can even get a quote as to what it might cost. Check and compare the conditions of the policies you are presented with. Study the terms covered by the policy, including the type of flight or train cancellation among others.<br /><br />Confirm that the trip cancellation insurance policy will provide coverage for the entire duration of the trip. Select the right plan that suits your needs and your budget. Buy the best trip cancellation insurance policy well before the trip so that you will have a longer coverage time. For more details about trip cancellation insurance policies, make an appointment with your insurance agent or broker well before you plan on taking a trip.<br /><br />Trip Insurance provides detailed information on Trip Insurance, Multi Trip Travel Insurance, Trip Cancellation Insurance, Single Trip Travel Insurance and more. Trip Insurance is affiliated with Motor Boat Insurance.<br /><br />Article Source: http://EzineArticles.com/?expert=Ross_BainbridgeAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-55081854744184656152008-09-25T19:52:00.000+08:002008-09-25T19:53:09.832+08:00How and When to Cancel InsuranceDeciding to cancel your insurance is serious business, and shouldn't be taken lightly. Although different states and companies have differing policies on how to cancel an insurance policy, an insurance cancellation letter is always your safest bet. Few companies like loosing business, so some may make it a bit difficult to cancel your policy. A cancellation letter serves to cancel your policy and you can keep a copy for your records, in the event that the insurance company tries to give you a hard time.<br /><br />You may be wondering; what exactly is an insurance cancellation letter? Luckily, there are sample insurance cancellation letters online. These examples will make sure that you give the pertinent information to the insurance company. The last thing you want to do is send a letter that doesn't actually cancel your insurance policy. Basing your letter on a good sample insurance cancellation letter works, because they usually display the common information that most insurance companies need to see. However, to be on the safe side, you should contact the insurance company to see if there is any additional information needed.<br /><br />Sample insurance cancellation letters provide information such as, why you are deciding to cancel your policy, your address, the type of policy, policy number, and your signature. It is highly important that you sign the letter, preferably in blue or black ink. Sample insurance cancellation letters also ensures that you sound professional. People have a tendency to give too much personal information, without getting to the point. After you have typed or written your cancellation letter; you need to send it to the insurance company. If possible, send the letter by certified mail or fax it to the insurance company; so, you are sure that it was received by the insurance company. You may also want to call the company to verify that there is nothing else that you need to do.<br /><br />Now, that you understand what an insurance cancellation letter is, and how to cancel your insurance. You need to consider when to cancel your insurance. Thanks to a few devastating national disasters, insurance has become a vital asset. So, you should cancel when you find comparable coverage at a competitive price. Another good reason to cancel insurance is if you discover that you are paying for coverage that you no longer need. For example, most people choose to cancel collision and/or comprehension on their auto insurance when their vehicle becomes more than 5 years old. The important thing to do before canceling your insurance is to make sure that you will be covered when things go wrong.<br /><br /><br />About the Author<br /><br />Emeka Ezidiegwu is Webmaster and Internet marketer who owns and operate several web properties. Emeka has written articles on many different topics for some of his web properties like: http://www.quickinsuranceinfo.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-58325272961771235072008-09-23T05:57:00.000+08:002008-09-23T05:59:13.332+08:00Car Insurance Claims and Total Loss SettlementsReader question:<br /><br />How do car insurance companies figure total loss settlements?<br /><br />Frank<br /><br />Great question, Frank.<br /><br />It’s best to come to an understanding about what will go on when you make a claim before the situation arises, so I’m glad to have the opportunity to talk about this. A total loss is definitely not a claim situation that people look forward to, and going through one can be very stressful. Of course, once your claim comes back you’ll want to know exactly where your car insurance company got their numbers from.<br /><br />A total loss is an expression in the car insurance industry that means the cost of the repair of the vehicle, plus projected supplements, plus expected diminished resale value, plus car rental reimbursement expense, all adds up to more than the cost of buying the same car at its value before the accident minus whatever proceeds could be gotten from selling what’s left of the car for parts. That’s what an ‘economic total loss’ is. Basically, it’s cheaper to replace the car than fix it up and pay for your rental car while the old one’s in the shop. There’s also a Constructive Total Loss, in which there is no addition required. If your car gets hit by a meteor and blows up then falls over a cliff to the bottom of the ocean, your car insurance company won’t be trying to figure out if it would cost more to send a diving team to salvage the car and repair it than it would to just replace it.<br /><br />Most total loss settlements have their basing in the ACV or depreciated value of the car before the loss. First the insurance company has to find cars like the lost car and see what they’re being sold for. Then, after adding sales tax and registration fees and the like, you get the final settlement.<br /><br />Article Source : http://www.trustmymechanic.comAdminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-72978266008561750582008-09-22T01:19:00.000+08:002008-09-22T01:19:01.355+08:00Affordable Student Health Insurance<p>Most educational institutions in the United States oblige students to have at slightest smallest <strong>Health Insurance</strong>. As a scholar, you possibly have access to several <strong>Health Insurance</strong> procedure presented by your educational institution. Some of these essentially group <strong>Health Insurance</strong> diplomacy that bargain army through moreover a Preferred Provider Organization (PPO) or a Health Maintenance Organization (PPO). These options are cheaper than if you tried to get individual <big>Student <strong>Health Insurance</strong></big>. If your educational institution includes any remedial schools or hospitals, campaign that use these hospitals may be the cheapest. You may qualify for additional <big>Student <strong>Health Insurance</strong></big> discounts if you have an International Student Exchange identity license that you can order online.</p> <p>For those of you who were covered pending untaken to prepare under your parents’ <strong>Health Insurance</strong>, your parents’ employer may prolong your payback for an additional 18 months. Ask your parents to limit with their employer about COBRA, as this additional coverage is called. However, this may not be as reduced as campus indemnity. Some <big>Student <strong>Health Insurance</strong></big> policies shield you during vacations and trek unlikely the United States, while others do not. Be attentive of the conditions not covered under your <big>Student <strong>Health Insurance</strong></big>.</p> <p>Shop around for the best deal, and ask fellow students what manner of assurance they have. To help you understand comparisons when you store for the most affordable <big>Student <strong>Health Insurance</strong></big>, you necessary to understand the important terminology of <strong>Health Insurance</strong>. A deductible is how much you pay before your cover starts paying for your medicinal thought; in universal, the advanced the deductible, the lessen your insurance premium. A co-payment is a fixed total you pay each time you reach services, for example when you get a prescription or have a doctor’s appointment. Coinsurance is the quantity you have to pay, after the deductible, for your medical expenses.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-10003051417415309752008-09-21T01:14:00.000+08:002008-09-21T01:14:00.630+08:00Private Health Insurance Companies<p>The disarray of Illinois has some personal <strong>strength cover</strong> companies that impart attractive assurance options to its citizens. There are also broadcast assurance document like the CHIP, but secret cover campaign are very standard.</p> <p>Some of the most prevalent <a href="http://fitness.morewrite.com/" _fcksavedurl="http://fitness.morewrite.com/">fitness</a> assurance companies in Illinois are: Assurant Health, Celtic, Unicare, Fortis Health, Blue Cross/Blue Shield, Golden Rule Insurance, Aetna, AIG, Allianz, Fort Dearborn, Guardian, HPA, Humana, ING, John Hancock, Metlife, Pacific Life, Transamerica, United Healthcare, Zurich and United Security Life and Insurance Co. Most of these companies have some <strong>strength cover</strong> options, such as family and individual, group shape policy, children’s fitness procedure, passing/little span shape indemnity, self-employed <strong>strength cover</strong>, scholar wellbeing cover, disregard medical devices, Medicare supplement, international wellbeing cover and long term precision policy.</p> <p>Illinois shaped insurance companies propose competitive options and duty for Illinois citizens. Quotes can be obtained directly from the insurance troupe by submitting some plain information. There are also the fitness insurance brokerage companies that present strength insurance options from many companies. There are exactly hundreds of strength insurance policy to decide from. These brokerage firms advocate guidance on the best kind of sketch to elect, options for dipping premiums, different deductible options, and other aspects such as co-payments and co-insurance. They can also afford unusual assistance for people with elite wants. Information about exclusive situation programs such as COBRA, the Trade Adjustment Assistance Reform Act, Medicaid and Illinois KidCare, CHIP, Medicare, Illinois’ High-Risk Pool for People with Health Problems and many other express programs can also be obtained from these companies.</p> <p>It is always better to use a brokerage circle or an insurance agent because of the availability of so many plans. An agent would be able to suggest the best kind of policy. Most of the Illinois health insurance companies can also be reached through the handset or online. Quotes can also be requested online or by phone.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-57973039161786327402008-09-20T01:08:00.000+08:002008-09-20T01:08:00.639+08:00Boots Travel Insurance - Is it Right For You?<p>With all the different options and all the different coverage existing from <big>Boots Travel Insurance</big> how do you know what you hardship and if it is a good array for you.</p> <p>Determining if any certain indemnity is right for you is not that strenuous if you know the detailed features that you should. The first thing to do when annoying to determine if a Travel Insurance is right for you is to assume out what mode of coverage you essential. If you are of certain age, that is a foremost thing.</p> <p>There are some indemnity companies that only cater to the elder portion of the population and there are some that only cater to the population pending they achieve an exclusive age.</p> <p>If you are wandering with children, that is another reason to judge. Make trusty that your children are enclosed as well. <big>Boots Travel Insurance</big> has policies presented to shield all ages. In truth, some of their policies are even arranged to help you have your children go with for open.</p> <p><big>Boots Travel Insurance</big> is expected at making surely their clientele is completely contented. They have quotes free for a succinct excursion (up to 5 years) or unmarried excursion coverage ranging from up to 10 all the way up to 45 living for an unmarried slip if exclusive arrangements are made. You can also get what they call multi-visit indemnity. That is where your complete move is sheltered within the year from date of acquire providing that no lone visit exceeds being at one time. That particular coverage even covers a one night defer while you pre-book your accommodations.</p> <p>The last of the <big>Boots Travel Insurance</big> policies that is available to you is called the <big>gap year coverage</big>. With <big>gap year coverage</big> from <big>Boots Travel Insurance</big> your wholesale stays abroad are roofed. You have the decision of 3, 6, 9,or 12 months abroad coverage. This allows you to trek extensively but still to continue insuring.</p> <p>In suddenly, <big>Boots Travel Insurance</big> has thought of it all. They can grant you with any number of different assurance policies. If you are in necessity of any type of tour insurance, odds Boots has it.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-11353310150577471152008-09-19T01:05:00.000+08:002008-09-19T01:05:00.990+08:00Where to Get Cheap California Auto Insurance Quotes<p>California has some of the record sedan indemnity charge in the land. So where can you get mean California <a href="http://auto.postedpost.com/" _fcksavedurl="http://auto.postedpost.com/">vehicle</a> indemnity quotes? Read on ...</p> <p><strong>Minimum <big>California <strong>Auto Insurance</strong></big></strong></p> <p>To authority your car in the sate of California you're only vital to have liability wrapping. The pays for spoil to another anyone's car or acreage when you're at blemish in an accident. It also pays for any remedial expenses they or their passengers may incur, and compensates them for bother and distress.</p> <p><strong><strong>Liability Coverage</strong></strong></p> <p>The tiniest <strong>liability coverage</strong> in California is 15/30/5. That means you necessary to have $15,000 <big>coverage for injuries</big> to any one role in the other car, $30,000 <big>coverage for injuries</big> to all people in the other car, and $5,000 coverage for injure to the other part's car or property.</p> <p>If you don't have a lot of assets the minimum <strong>liability coverage</strong> may be enough, but if you have assets you want to shelter from a lawsuit, you should multiply your liability indemnity to cover them.</p> <p><strong>Optional Coverages</strong></p> <p>Collision - The pays for repairs to your car no topic who was at lapse. If you oblige an adult car that's not meaning much, respect eliminating this coverage. If you maneuver a delayed brand car you can stop money by increasing your deductible.</p> <p>Comprehensive - The pays for hurt has done to your car by anything other than a conflict - fire, vandalism, theft, hail, etc. If you have an elder car you may want to skip this coverage. If you send a newer car, grow your deductible to prevent on your premium.</p> <p>Personal Injury Protection - The pays for you and your passenger's health bills when you're intricate in an accident. If you already have checkup assurance you can respect liability without this coverage.</p> <p>Uninsured/Underinsured Motorist - The pays for you and your passenger's medicinal expenses and harm to your car caused by an uninsured, underinsured, or hit-and-run driver. One sector of the drivers in California are driving without a certify, so this is good assurance to have.</p> <p><strong>Cheap <big>California <strong>Auto Insurance</strong></big> Online</strong></p> <p>Because tariff can diverge dramatically from one circle to the next in California, the best way to get the cheapest appraise is to associate quoting from different vehicle assurance companies.</p> <p>Thanks to the Internet, you can go to a cover comparison website that represents several companies and get several indemnity quotes. Some of these sites have an "Articles" sector where you can get money-discount tips, and a chat include where you can chitchat online with an <strong>auto insurance</strong> skilled and get answers for your questions.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-79439754287637848062008-09-18T01:54:00.000+08:002008-09-18T01:54:01.319+08:00Affordable Private Health Insurance - Where to Get It<p>Affordable secretive wellbeing assurance - does such a thing live? If you don’t meet shelter through your employer, are you doomed to go without cover or splurge a large chunk of your take-home pay on posh indemnity that doesn’t deal much coverage?</p> <p>The good newscast is that affordable concealed <a href="http://fitness.morewrite.com/" _fcksavedurl="http://fitness.morewrite.com/">fitness</a> indemnity does exist, and with a little seek you can find a cover group that offers coverage for a reasonable cost.</p> <p><strong>What Kind of <big>Private <strong>Health Insurance</strong></big> Do You Need?</strong></p> <p>Before you found your pursuit for affordable secret strength cover, ask yourself a few questions to narrow down the kind of reserved wellbeing indemnity you indigence:</p> <p>* Do you indigence comprehensive <big>coverage that covers</big> surgeon visits, preventive tension, and prescriptions, or do you just hardship critical <big>coverage that covers</big> hospitalization and inpatient /outpatient surgery?</p> <p>* How long do you should coverage? If you just poverty exclusive vigor cover to cover a gap of a few months (for example, when you're between jobs) then midstream-name strength cover may be your best option.</p> <p>* How much can you provide to pay for co-pays and deductibles? The elevated you set your co-pay and deductible, the poorer your premium will be.</p> <p>* Do you have a particular doctor or hospice you wish? You’ll want to make certain your ideal doctor and hospice accepts your indemnity.</p> <p><strong>Begin Your Search for Affordable <big>Private <strong>Health Insurance</strong></big></strong></p> <p>Once you know what kind of personal vigor assurance you necessity, you can dawn looking for affordable secretive vigor indemnity. Begin by visiting an assurance comparison website, where you can easily and briefly get quotes for secretive fitness assurance from compound A-rated wellbeing insurance companies.</p> <p>You'll undivided a regular form and then be able to contrast your quotes and decide an affordable reserved <strong>health insurance</strong> propose. The best websites even let you chat online with insurance professionals so you can ask questions and make trusty you choose the best <strong>health insurance</strong> for you.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-74154176957939424082008-09-17T01:03:00.000+08:002008-09-17T01:03:00.447+08:00The Pitfalls of Farmers Insurance<p>Farmers shield is more specialised than some other indemnity policies in that not only does farmers indemnity envelope every position of the problem but it can also traverse the secret apartment as well.</p> <p>There are many potential ‘bolt ons’ to homestead assurance which can case such things as farmhouse buildings, the work house (basically householders indemnity), horses, tools, subject interruption and special possessions.</p> <p>It is suitable increasingly deceptive that many farmers have an inadequate raze of farmers shield somewhat due to the inability to support the loss of the cover premiums but also as a result of the continuously shifting wishes of <strong>farmers insurance</strong> which is becoming ever more compound.</p> <p>One of the foremost areas the farmers have proven exposed in current existence is the require of <strong>farmers insurance</strong> involving to environmental issues surrounding the use of chemicals on the till. The planter insurance policies physically prevent any wound due to substance leakage or break due to the use of chemicals around the raise although the high outlay that can be associated with substance disasters which could ditch many farmers in pecuniary ruin. What is shoddier is that most farmers are blissfully ignorant that they do not have substance insurance obscure!</p> <p>For those farmers that do not have the loss of compound cleanups and other overheads associated with chemical disasters included in their <strong>farmers insurance</strong> could find themselves in a no win position in any request that is anyhow related to chemicals.</p> <p>It is very important that all farmers actually understand just what is and is not included in their <strong>farmers insurance</strong> procedure and take steps towards obtaining cover for those areas of their matter which perhaps remain unintentionally lacking insurance cover.</p> <p>Another sphere in which some farmers tolerate themselves exposed is when they allow but are not insured for shooting or other forms of recreational pursuits seized on their land. Farmers should request lawful opinion to guarantee that they are sheltered for any use of their land each through <strong>farmers insurance</strong> or by using legal disclaimers.</p> <p>In addition, farmers need to be consciously awake of the ever varying wants involving to their <strong>farmers insurance</strong> making clearly any changes in working practices or use of the grow are abundant covered through their <strong>farmers insurance</strong> strategy and that, as a matter of leaning, they continually amputate unsafe substance or fix anything that might pose as a jeopardy to homestead workforce or the broad community as they are out and about on the farmhouse.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1tag:blogger.com,1999:blog-3734672408096790092.post-40429811584415656692008-09-16T01:51:00.000+08:002008-09-16T01:51:01.372+08:00Automobile Insurance Rules<p>Automobile covered strategy diverge from chaos to glory. In some gear, they clash from city to city within a nation. There are very the central <strong>automobile indemnity</strong> laws that request to all states in America. "You must have auto cover to penury or you go to jail," is pretty much the only position steady. Keep in mind that automobile cover policy are different from motorcycle <strong>indemnity system</strong>. That's a complete other kettle of fish.</p> <p><strong>How To Find Out</strong></p> <p>The best place to find the most up-to-meeting and accurate information on the automobile assurance system for your imperial is to go exactly to your shape's Department of Motor <a href="http://auto.postedpost.com/" _fcksavedurl="http://auto.postedpost.com/">Vehicles</a> (the dreaded DMV). Most states now have this information online in downloadable formats for you, so you don’t have to dais in line all day at your native DMV personnel.</p> <p>If you are visiting from another country and know which states you are departing to be pouring in, you should very restrain on the DMV websites for <big><strong>automobile indemnity</strong> system</big> for exotic drivers. Don’t rely on rumor or what happened when you multitude around America ten being ago. The policy had distorted for some states.</p> <p><strong>What About Insurance Companies?</strong></p> <p>Many indemnity companies that want your guests will placement a lot of gentle-wholesale informative articles or blogs about different <big><strong>automobile indemnity</strong> system</big>, rates and newscast on their native websites. Although you can find out a lot of information about <big><strong>automobile indemnity</strong> system</big> this way, you are also hoping that the company has all their information up to time about your particular national's <big><strong>automobile indemnity</strong> system</big>.</p> <p>For example, in belated 2007, Arizona accepted a "superlaw" about someone wedged heavy under the influence (DUI) or dynamic drunk. They now have a zero tolerance policy of DUI drivers. Even celebrities that have been fixed lashing drunk have had to squander at slightest a few hours in jail and pay an enormous delicate. There are also restrictions to your automobile cover rules if you have a previous DUI conviction. Some auto covered websites have not updated this information about Arizona's tougher laws.</p> <p><strong>Why Bother Checking At All?</strong></p> <p>The infer why you require to ensure up on your nation's automobile insurance rules is so you don’t curve up overpaying for your driver's insurance. Sadly, a lot of people don’t achieve that the minimum driver's insurance requirements fluctuate from state to state. When you ask for an insurance quotation from a car insurance company, they will normally try to retail you a lot more insurance than you need.</p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com0tag:blogger.com,1999:blog-3734672408096790092.post-13950836080067104702008-09-15T01:43:00.000+08:002008-09-15T01:43:00.456+08:00Insurance Sample Cancellation LetterUsing an insurance sample cancellation letter as a template, you can easily and correctly notify your insurance company that you want to cancel your coverage.<br /><br /><p><strong>Canceling Your Insurance Policy</strong></p> <p>You have the right to cancel your cover rule at any time during the plan stop. However, this must be done in marks, because your assurance document is, literally, a narrow. For the wits, to extract from the shrivel you will have to send a letter generous your insurer written observe of cancellation. This applies, in particular, to car cover, as well as home and life insurance.</p> <p>Putting your appeal to cancel in writing also safeguards your welfare. This way, you will have hard copies of your cancellation along with the niceties of your call such as the date of cancellation. This also provides evidence that you gave sign of cancellation, in rationale a representative or employee of the insurance party drops the ball. You can hunt-up your written request with a call to your insurer's customer service department. Below is an insurance taster cancellation letter that you can use as a guide to cancel your policy.<br /></p><h2>Insurance Sample Cancellation Letter Template</h2><span style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;"> Date </span><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">FirstName Lastname or Cancellation Department </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Name of Insurance Company </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Company's Mailing Address or PO Box </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Company's City, State, Zip Code </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;"><br /></p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Re: Policy Number: #__________ Cancellation </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">I am sending you this written notice to request cancellation of my insurance policy effective [insert cancellation date]. I would appreciate you sending me written confirmation within 30 days that the cancellation has been put into effect. Please refund the unused portion of my policy premium, and cease charging my bank account for payment of monthly premiums. </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Thank you for your prompt attention to this matter. </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Sincerely, </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">[Your Signature] </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Your FirstName Lastname </p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Your Mailing Address or PO Box</p><p><strong>Tips on Writing a <big>Letter of Cancellation</big></strong></p> <p>* Before you summary your <big>letter of cancellation</big>, call your insurer to verify the address you should letter it to. Inquire whether there is any residue owed on or refund due on the statement based on the cancellation meeting.<br />* Begin your <big>letter of cancellation</big> with the year, the address information for your cover circle and your procedure account number.<br />* Be polite, but concrete, in notifying your indemnity party of your resolve to cancel your rule.<br />* Show that you suppose the indemnity group to convey you a printed confirmation that the cancellation has been put into produce.<br />* Request a refund of any unused premiums that you have already rewarded. If there is a remainder still due on your account, enclose a trial with your letter, and embrace the payment quantity in your letter.<br />* State that the insurer is no longer authorized to thrill your store or thanks license for monthly premiums outside the expiration meeting.<br />* After you style out your cancellation letter, do a presage stop and resistant-read the letter before you imitation it out. Be certain to warning the letter by hand. Make an item for your store.<br />* Mail your cancellation letter to the assurance party by practiced packages, with revenue receipt requested.</p> <p>[Rewrite]<br />A Few Things to Keep in Mind</p> <p>* Only the policyholder, the being who actually owns the strategy, can cancel it. As such, it must be the policyholder who makes the written call. In addition, the <big>letter of cancellation</big> must be addressed from, and signed by, the policyholder. For example, if you and your brother are insured on the same procedure, but the document is in your name, then only you can cancel that plan.<br />* Read through the terms of your statement to reveal the details of your rights to cancel. Typically, you have up to 14 years from the document effectual meeting to cancel the coverage lacking penalty, though your insurer may custody a nominal cancellation fee.<br />* When you cancel your procedure, the document premium will be prorated to ruminate the time that the coverage was provided. This may effect in both a refund or an evaluate due on the rule.</p> <p>[Edit]<br />Cancel in Writing</p> <p>The best way to cancel your cover strategy is to send a written request, by licensed post, proceeds receipt requested. The gives you proof of the day you cancelled and the time the cancellation was normal by the indemnity company. When you mail the letter, keep a reproduce for your report. When you gather the method receipt, put it away in the same sandpaper as well.</p><p style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;"> </p><p><span style="font-style: italic; color: rgb(0, 0, 102); font-weight: bold;">Your City, State, Zip Code </span><br /></p><p><br /></p>Adminhttp://www.blogger.com/profile/16254339507750878049noreply@blogger.com1