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Medical Health Insurance
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Long-term Care Insurance and Planning
America is rapidly moving to a two-tiered system of long-term care services. One provides a broad spectrum of services ranging from an optimal amount of high quality home care to elegant and well staffed continuing care retirement communities for those who can pay for it; while the other offers very limited services ranging from a few hours of home care per week to often dreary, poorly staffed, nu... Read insurance article
Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as perfect as it could be. By taking out a bad credit home mortgage or home equity loan, you can consolidate a... Read article
Medical Health Insurance
When we are young, we never think about our health, and expect that we will live our days blessed with good health and no illness or accidents. But that is not what the world is like. There is so much uncertainty in this world; you can come down with a bad virus, you can get hit by a car, you just never know what can happen to you and so you have to be prepared for anything to happen. This makes medical insurance a real must for all of us.
At one point when I was eighteen, I was offered a health insurance plan. I did not even think about taking advantage of it since I was still covered under my parents policy. But, when the time came and I should have sought out health insurance, at age 25 when I was no longer covered, I still ignored it. I was in the prime of health; what could possibly happen to me to require that I have health insurance? Put it down to dumb youth. Even at that young age, you should be careful about being protected. I was an active person; what if I hurt myself playing football or skiing? There was no way I could afford to pay a hospital bill if I broke a leg. It is a serious question to think about.
Just because you do not need medical insurance today does not mean that you will not need it tomorrow. I guess a lot of young people think that since they did not use the insurance, they just threw that money away. Why should they continue to throw it away month after month? That is just being blind to reality. Even if you never got sick, there are always accidents waiting to happen. If you were in a car accident or broke a leg, you would be very happy that you had health insurance. Doctor and hospital bills are astronomical, and very few people can afford to pay them out of pocket. Even if you do have to pay a deductible, it will not compare to the total bill if you go into the hospital after an accident. A bill like this will haunt you for the rest of your life, and the hospital and the collection agency are not going to forget about it.
If you have medical insurance, you do not have to worry about these things. The medical insurance company takes care of all of the doctor and hospital expenses. You will be very happy you had medical insurance if you are ever in an accident.
You cannot count on never having an accident or never getting sick. These things can happen to the most careful people and to the healthiest people. It will give you a great deal of peace to know that if anything does happen, most of the bills will be taken care of. We cannot possibly manage something like this on our own. We need to have health insurance during the good times to make sure it is there during the bad times when we need it.
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Uninsured Motorists
Big brother is not playing games anymore. The State of California has implemented a new system whereby as of October 1, 2006, the DMV begin a systematic review of the 22.4 million private cars, light trucks and motorcycles registered in the state.
If your motorcycle, car, truck or other motor vehicle is found to be uninsured you will get a 30 day warning letter. If you fail to get insurance after that the State will suspend you registration. If you are found to be driving without a proper registration, your car can be seized by the State, and you can face fines of up to $1,000.00.
This is no joke folks. If you are driving around without insurance you will eventually be dinged.
Furthermore, insurance providers are now required by the State to notify the DMV if your insurance is cancelled or expired.
What does this mean to you? It means if you are driving around with no insurance you are screwed. The State will eventually catch up to you. The days of buying insurance to get your registration and plates, only to cancel one month later are over.
If you get into a motorcycle, car or other motor vehicle accident and have no insurance, you face losing your drivers license for up to a year, fines of up to $2,000.00, and the possibility of being hit with a civil judgment which requires you to pay for the damage you have caused.
The minimum liability insurance requirements in the State are presently $10,000.00 for property damage, $15,000.00 per person, and $30,000.00 per occurrence.
The purpose of the law is to supposedly make it fair to the people that do pay for insurance, and to drive down insurance rates. I agree that it is not fair that law abiding citizens pay for insurance while 15% of the people in the State do not, however, and as usual, the insurance companies will make out like bandits with this new law. I doubt seriously that insurance rates will go down.
As a personal injury lawyer I can tell you that it pains me to see someone get hit by an uninsured motorist so it is good that the State is cracking down on this issue. However to be really fair the State should force the insurance companies to lower their rates in return for this law.
There is one other thing to note; if you are uninsured and you get into an accident that is not your fault, no will only be able to recover out of pocket losses and that is it! To add insult to injury you could lose your drivers license for 1 year and have to pay up to $2,000.00 in fines for driving without insurance.
The bottom line; get liability insurance. The cost of not having insurance is much greater than the cost of getting insurance. If you cannot afford liability insurance; do not drive!
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