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Car Insurance
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Health Insurance Rates
In recent years, health insurance rates have soured at an uncomfortable rate. It seems as if gas and health insurance are competing with one another. As the price rises more people are struggling to maintain adequate health insurance plans. Affordable health insurance is becoming a rare entity.
Consumers often ask, "Why am I receiving a rate increase? I never made a claim." There are th... Read insurance article
Quickly Find The Best Health Insurance Plans
Health Insurance is a challenging prospect for many individuals. As an employee at any firm it is not as challenging as all the details are handled by the firm. If on the other hand you have to get health insurance personally you could find that getting affordable insurance is one big challenge.
The first step for you should be to do comparison shopping. Compare the quotes from the vari... Read insurance article
Car Insurance
Shopping for Better Car Insurance
How to buy auto insurance is not an exciting topic, but it is an important to discuss. Most of us do not like spending our hard-earned dollars on car insurance (or any other kind of insurance, for that matter), and so we usually buy the cheapest insurance we can find. Does this sound like you? But is this best decision?
Most of us do not plan on causing an accident, or being in involved. As an attorney who has helped thousands of accident victims who thought, "It will never happen to me," there are different kinds of coverage provisions you should consider when purchasing automobile insurance.
- "Bodily Injury." Most states require that you carry this "liability coverage." The minimum amount of usually required by law is only $15,000 per person/ $30,00 per occurrence. This means that if your cause an accident, the maximum amount any one injured person can receive from the insurance company is only $15,000, and only $30,000 for any one accident--even if you injure 30 people! If that is not enough money to satisfy the injured parties - you get to pay the rest out of your own pocket or file bankruptcy. There are also minimum property damage requirements of $10,000 (when is the last time you saw a new car that cost less than $10,000?)
Over the years, many clients have told me that they had "full coverage." Almost invariably, it means that they only carried the minimum coverage the state required.
- Underinsured/Uninsured Motorist. When the at-fault party has no insurance ("uninsured") or does not have enough coverage (underinsured) to pay for your injuries, you can stack this coverage on top of theirs. Using this insurance DOES NOT affect your insurance rates in states like Nevada. In many states, insurance companies must offer this coverage when you first buy insurance from them.
- Med Pay. This covers your medical bills up to a certain amount if you are injured in an accident. This is very important, especially if you do not have health insurance. In some states, insurance companies must also offer this coverage, even though you can choose not to buy it.
- Rental Car. If your car is not operational after an accident, this coverage pays for a rental car, typically for 30 days. This coverage is very important if you do not have a back-up vehicle to rely on while your car is in the repair shop. If you are not at least 25, I would not worry about paying for this coverage, since most rental car agreements I have seen require that the driver be at least 25 years old.
- Towing. Towing coverage pays for the cost of towing your vehicle if your care breaks down or is otherwise not operational.
For only a few dollars more per month, you can usually add these additional coverages. Do yourself a favor and compare the "cheapest" insurance rates with other estimates that include these "extra" coverages.
Why Should You Pay More For Your Insurance?
As the cost of living increases and inflation eats into the spending power of your dollar, many state insurance requirements have remained flat. For example, in the state of Nevada, the minimum $15,000 bodily injury coverage requirements have remained the same for nearly 20 years. $15,000 today does not buy what it bought 20 years ago.
Not surprisingly, many people do not decide to buy better insurance coverage until after they have been involved in an accident. Unfortunately, that is the time when most people realize how much money it takes to fix a car, replace damaged personal property, pay the doctor bills, and receive compensation for lost wages. I do not want you to wait until it is too late, since any later decision to increase your insurance coverage will not help you in your current dilemma.
I suggest that you see how much more it will cost to buy more coverage. Do a premium comparison. In most cases, the difference of a few dollars per month is well worth the extra cost.
I recommend the following as your minimal coverages: $50,000/$100,000 bodily injury, $50,000/$100,000 UM/UIM, and $5,000 med pay. Compare that premium with the following combination: $15,000/$30,000, no UM/UIM and no med pay. The more you have to lose, the more coverage you should buy.
Where Should You Go To Buy Insurance?
Insurance agents normally sell insurance - although sometimes it is sold directly. One of the best places to buy insurance is from an insurance agent or broker who can sell different products, so you can compare prices between companies. I do not recommend going to a "captive" agent if you want to compare prices and coverages.
As an attorney who has handle thousands of insurance claims for many years, I can tell you that it is important to buy insurance from reputable companies. I have seen some insurance companies over the years go bankrupt. Therefore, I would avoid any insurance carriers who only sell "minimum" policies, because among the ones I have seen go under they were these types of companies. My advice is to buy as much protection as you can afford.
Overall, I think you will be pleasantly surprised at how little money it takes to get much better coverage.
Craig Perry is an attorney practicing law in the State of Nevada since 1989. He has handled thousands of cases and settled millions of dollars in personal injury and workers compensation claims. He does not charge a fee for first consultations. He has a bilingual office staff (Spanish) and he speaks Italian fluently.
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Vision Insurance
Eyes are a gateway to the panorama of the world around us. Eyes constitute one of the most important senses of the human being. Though it is difficult to maintain a 20/20 vision, yet it is one of the most important sections of our very existence. Hence, it is essential to take utmost care to upkeep it in a healthy state. Vision insurance can facilitate you in this endeavor. ''Vision insurance' is a comparatively new chapter in the world of insurance. Often, health insurance does not encompass vision insurance as a part of coverage. Considering the expenses of glasses, laser surgeries, and contact lenses; vision insurance is definitely a good idea.
This form of insurance usually does not constitute as a part of a regular health insurance. With the rising expenditure involved in the upkeep of your eye, vision insurance plays an important role to settle these expenses at an economical magnitude. Vision insurance is not like other forms health insurance which can take care of unexpected expenses. It is more like a package of discounts which you can get when you indulge in vision care like eye wear or eye check ups. Vision insurance basically covers expenses on eye examination, lenses, frames, and contact lenses.
There are usually two plans encompassed in vision insurance.
First plan comprises of the basic eye care relief. It does not include extensive and high-priced eye treatment.
Second plan comprises coverage for eye surgeries like LASIK surgery or any other retinal or cornea surgery. Such plans may generally demand a substantially higher premium.
In accordance to your convenience and requirement you can opt for either of plans.
With the emergence of online insurance providers, applying for vision insurance has become fast and convenient. Not only that, you can also scan through various quotes which assist you in deciding upon the appropriate vision insurance. It is always advisable to scan through various available vision insurance options and not haste your way. It can fetch you competitive price tags and, even desired benefits to match your parameters. Acquaint yourself with the terms and conditions of the insurance provider; you are likely to have an agreement with. This approach would be beneficial in averting any future confusion as per the coverage included in your vision insurance and other concerning matters.
Most of the insurance providers enlist a selection of doctors and clinics where you can embark upon eye-check ups, and other eye-related benefits. It is a good idea to procure this list to chalk out your eye care schedule.
Protect yourself and your family from exorbitant eye treatment with vision insurance. It can assist you to pave a way to a prospective wise health decision.
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