Insurance Archive

The mere notion that government somehow should pay for all medical care is fundamentally wrong if you believe anything that the constitution says about life, liberty, and the pursuit of happiness because our forefathers never …

When insurance companies underwrite marine insurance, one of the important criteria used is depreciation. Depreciation refers to the reduction in value of material over time; in this case the lower value of a boat. But …

Both of my parents ended their lives in health care facilities (nursing homes). Both ran out of savings very quickly, even 20 years ago when my father died. My mother only died last year at …

Do you fully comprehend the components of a renter’s insurance policy? Renting a condominium, an apartment or a house? Hopefully you have heard of renters insurance and already have a good insurance policy. You don’t? …

Your first step in filing a business insurance claim is to contact your insurance agent. With the computer software provided by many companies, your agent can submit a claim for you online, greatly decreasing the …

Top Five Travel Insurance Tips for International Travelers What is Travel Insurance? Travel Insurance protects you from any substantial losses that may result from a variety of situations and unforseen circumstances. Some of these situations …

An affordable dental plan is important.  First, it is obvious as to why people need one that is not expensive.  Many people do not have a lot of extra money to spend nowadays, and they …

How do credit cards affect your insurance rates? The idea sounds absolutely preposterous; doesn’t it? Even the thought that having too much credit card debt, or possibly paying your credit card bill late, or even …

New York has many regulations for the different types of insurance products that are sold in the state. Many of the laws and regulations are acts that have been passed by the legislature and signed …

More and more people are waking up to the need for condo insurance. It is estimated that the number of condo owners who own personal condominium insurance policies increases every year and Insurance advisers aim …

Dental insurance is not often in the fore front of anyone’s mind. In today’s world, health insurance is the hot topic. When problems arise, though, dental insurance can be just as important. Even when on …

Everyone who owns a home needs a way to protect themselves from all of the potential things that can go wrong with your home. You never know when a window will break, when black mold …

If you are renting, you will need to purchase renter’s insurance. Your landlord will hold a policy on the premises only. In case of fire or theft, you will not get your belongings replaced, unless …

There are times in life when the unexpected happens such as a car accident, a cancer diagnosis, or a job loss. While each is difficult to handle, the lack of medical insurance can create a …

In the state of Montanaliability insurance is mandatory. With the exception of motorcycles, all vehicles operating on Montana roads must carry the minimum liability insurance amounts. The minimum liability coverage in the state of Montana is …

You need an attorney If your insurance company stalls, delays or refuses to tell you what is going on with your claim, then you need an attorney. Right away. Unfortunately, I have not been able …

One would virtually have to write a full-blown thesis on Life assurance in order to address the aspect of saving money on insurance premiums. However, if the following steps are followed the insured can get …

First and foremost, do not be intimidated. You have not done anything wrong. They are not going to be mad at you. Whether the accident is your fault, your son’s fault, or a stranger rear-ending …

The price for auto insurance ranges widely.  You can literally pay a difference of hundreds of dollars on the different companies as well as the various plans within each company.  There are different things that …

An adjuster wants the facts of the claimant’s case. The facts should allow them to best determine whether the policyholder’s insurance policy covers the loss and if it does how much the payment should be …

All of us will require some form of dentist treatment in our lives ranging from simple cleaning to much more complicated procedures such as braces or orthodontist work.  The cost of dental treatment can easily …

More often than not, I find myself agreeing with ABC News reporter and columnist John Stossel. He’s a libertarian and I hold mainly libertarian views. But I think he was way off base about a …

Few people want insurance and even fewer want to lose property. So whether you want insurance or not, statistics suggest that you need insurance especially if you are a renter. Affordable insurance can be a …

During the 1950’s life was so good for the majority of the Citizens of the United States of America. Most people had jobs that provided a living wage. That income also allowed those people to …

The most common prediction about life insurance premium rates is that they would decrease in the near future. Life insurance premiums are based primarily on mortality rate. Other factors that affect premiums are expenses and …

Never fear, all health plans are the same and all providers are the same. Just pick one at random and all will be well! Luckily, most people do not actually believe this statement and they …

Purchasing car insurance for the first time can be stressful. Thus, most people just accept what the dealership or car loan lender offers and don’t bother to shop around for the best car insurance offer …

Teens pay more for auto insurance than any other group of drivers on the roads today. Male teens pay even higher rates than female teens. Parents can expect their auto insurance premium to increase by …

Here we are debating the same issue worded differently. Government paid medical care is the same as Universal health care, and it will not work. Who said the government owed any of us health care? …

When deciding to take out insurance for your house, contents, business, car or life, you’re not going to just walk into any old insurance company and open up a policy. Before making a decision about …