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Simple Car-Related Mistakes That Could Increase Your Risk Of Making An Insurance Claim

Posted by on Sep 21, 2016 in Uncategorized |

When you’re a driver, you want to do all that you can to lessen your likelihood of having to make an insurance claim. While some matters will be completely out of your control, such as someone rear-ending you in traffic or a vandal throwing a rock through your window, other potential claims are directly related to the things that you do with your vehicle. It’s easy to make a simple oversight on occasion, especially if your mind is occupied, that can increase the chance of having to file a claim. Here are some things of this nature to avoid. Leaving Your Car Running When You Stop Briefly Many motorists will pull into a convenience store and leave their vehicle running as they dash into the business to buy a drink or a newspaper or something else for their day. They might be thinking that they’ll be back outside so quickly that nothing could possibly happen to their vehicle, but this isn’t always true. A car thief can hop into your vehicle in a split second and drive the car away — leaving you in need of making an insurance claim. Whenever you leave your vehicle, if only for a handful of seconds, it should be turned off and locked. Cramming Into A Parking Spot Without Enough Room Some drivers favor parking as close to the door of wherever they’re going as they can, but this means that they might be squeezing their vehicle into a parking spot without much room on the sides. This is because you can count on the spaces beside your vehicle being occupied — if not at the time you park, then at some point before you return to your vehicle. Whenever you’re parked so close to other vehicles, there’s a risk of your door or body panel getting dented, which can lead you to make an insurance claim. It’s typically better to park farther away from the door to give yourself a higher chance of empty spaces beside your vehicle. Driving In Icy Weather While there might be times that you can’t avoid going out when the roads are icy during the winter, there’s always a higher risk of being in an accident that leads to an insurance claim. When the weather is poor, think of alternatives to driving. For example, you could take public transit to work or perhaps your manager might allow you to work from home, depending on the nature of your job. For more safety tips and tricks that might lower your insurance costs, contact a company like Allstar...

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3 Insurance Extras For Your New Restaurant

Posted by on Sep 21, 2016 in Uncategorized |

If you are in the process of opening up a new restaurant, it is vitally important that you have the right type of insurance before you open your doors. Having the right type of insurance can be the difference between your business thriving or dying. Here are a few types of insurance coverage that are unique to the restaurant industry. Food Spoilage Coverage One of the biggest investments that you make as a restaurant owner is in the food that you purchase each day in order to serve your customers. Most restaurants maintain a very tight relationship between their cash flow and their ability to order the food they need to serve every day. If something happens unexpectedly, such as the power going out or your fridge failing, and your food spoils, that can be a devastating financially, especially if you were depending on keeping your cash flow positive by selling the food that was in your fridge. Food spoilage coverage is an endorsement that you can add onto your general property insurance policy. If your food were to spoil, your insurance would cover the cost of replacing it all, and your cash flow would not be affected. This type of policy also works if food you purchase is recalled; it can provide you with the money you need right away to replace the food that was spoiled. Liquor Liability If you are serving either beer or alcohol in your restaurant, you don’t want to operate without liquor liability insurance. This type of insurance will provide you with coverage against any actions taken by customers due to drinking beverages at your establishment. If, for example, a customer gets in a fight with another customer after consuming liquor at your restaurant, and the injured party sues the restaurant, there is where your liquor liability could come into play and protect your restaurant from the lawsuit. Employee Dishonesty Most restaurants operate on a very small budget, and having an employee steal from you or destroy your property can be devastating. Employee dishonesty policies protect you from the action of your employees. If a server or cook were to ever steal or do something to damage your restaurant, this type of policy would ensure that the negative actions of one individual do not bring your restaurant under. You also need to make sure that you carry property insurance, general liability insurance and employer insurance. Talk to your insurance provider about the above insurance and endorsements that could specifically protect your new restaurant.  For more information, contact Welsh Insurance Agency Inc. or a similar...

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4 Tips for Decreasing Auto-Insurance Costs

Posted by on Aug 31, 2016 in Uncategorized |

The key to having the peace of mind you need when it comes to driving is making sure your car has the appropriate coverage. Auto insurance is critical to allowing you to do so and to enjoy being able to avoid financial losses. However, the cost to keep your car insured may be more than you anticipated. This makes it ideal to know specific tips that can assist you in keeping the costs of your auto insurance down. Tip #1: Shop around It’s ideal to take some time to shop with different insurance companies in your area to enable you to get the lowest possible price. You will want to get quotes from various providers, such as Wolf Insurance Agency, before making a final decision about purchasing your coverage from any one company. Tip #2: Consolidate policies Insurance companies typically award customers that get multiple policies. By adding your home to your auto policy, you will normally be able to get much lower rates. It’s ideal to get all of your insurance needs met with the same provider, and if you have any recreational vehicles, such as a boat or motorcycle, you should get a quote on these. Tip #3: Drive an older car One of the ideal ways to lower the overall costs of your auto insurance is by driving a car that is used. You can shop around and look for one that is in good condition by visiting a used dealership. The cost of your insurance will be based on the retail value of the car, for one thing. The lower the value of the car, the less you will be required to pay to keep it insured. Tip #4: Raise your deductible Taking the time to know what your deductible is and ensuring it’s as high as possible is time well-spent. The cost of your insurance premiums can be lowered if your increase your deductible. Insurance companies will provide you with the lower rate because this is money you will have to pay before any claim is covered. You will want to be sure to have this amount of cash on hand. The benefits of keeping your auto insurance prices down will enable you to save in the long term. This is an ideal way for you to reduce monthly expenses. Be sure to speak to your insurance agent for additional methods that will work to reduce your annual premiums and allow you to stay insured in the...

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Five Common Types of Group Insurance You Can Offer Your Employees As Part of Their Benefits Package

Posted by on Aug 15, 2016 in Uncategorized |

As your one-owner business begins to grow and you are able to add employees, you may want to start thinking about benefits packages for your employees. Not only are benefit packages a great way to retain employees, they are also an excellent way to reward them for their loyal service. Here are five common types of group insurance you can purchase through insurance companies and then offer your employees as part of their benefits package. Health Insurance Health insurance, especially health insurance offered at an affordable discount to your employees, is typically the number-one benefit most employees look for when they are offered a job. Even if you do not offer any other type of group insurance, health insurance is often enough to entice good candidates to the positions you have available and keep the employees you already have. There are also several flexible health-insurance plans to make this as affordable for you as it is for your employees. Dental Insurance If dental is not covered under health insurance, rest assured most of your employees will ask after it because they want and need good dental coverage. Most group dental plans are more affordable than health-insurance plans, and by making dental coverage optional, you can offer it to your employees as an add-on to their benefits. This helps keep your costs low because you will not be paying for several policies that remain sitting on your shelf, and your employees can choose to have additional money deducted from their checks should they decide to take the dental coverage. Vision Insurance Vision insurance is also typically not covered under many group health plans for the simple reason that not everyone needs glasses. You can buy health-insurance policies that include excellent vision benefits, or you can offer these as a separate add-on. Most business owners choose the latter because only about half of the population needs eyecare and prescription eyewear. ADD Insurance Accident, Disability, and Dismemberment insurance is another group insurance many employers offer. It covers most accidents while the employee is on the job as well as all dismemberment. Disability usually refers to short-term and long-term disability insurance, which is worth offering and paying into when some aspects of the job may result in physical harm. Life Insurance Finally, you could also offer your employees life insurance. While it is not totally necessary unless the job entails some very dangerous activities on a daily basis, it is still a valuable thing to offer. Many of your employees might like the fact that they can get life insurance at a deep discount through their jobs, and this might make them want to stay working for you as long as they...

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Important Things To Understand About Business Interruption Insurance

Posted by on Jul 28, 2016 in Uncategorized |

Business interruption insurance is a great way to plan for unintended business emergencies. Here are some things to know before you sign up for business interruption insurance.  Coverage Varies Based on Your Plan Type First of all, it’s a mistake to assume that all business interruption insurance plans are created equally. There are a few key points that any insurance plan will cover, but they can vary in how comprehensive the payouts are.  All business interruption insurance plans will cover compensation for the net income that you lost during your business’ shutdown. Most plans should also cover any typical business expenses that occur during the time when you’re rebuilding your business.  Where it begins to differ is in coverage for any extra expenses that occur as part of your business’ reconstruction. For instance, if your previous office building was subject to a lot of property damage, you may need to rent out a different office space in order to get your business up and running again. When you’re stuck with two rent payments, the more comprehensive commercial insurance policies will provide coverage to this additional expense related to your loss.  Rates Vary Based on Industry and Company When you’re evaluating whether business interruption insurance is viable and affordable for your business, it’s important to note that blanket quotes aren’t always helpful. The rates can vary a lot based on the risks that your individual business presents. If your business has already been subject to a lot of instability in operations and profits, a commercial insurance broker may need to use greater scrutiny to choose a fair rate for coverage.  Some industries are also subject to higher rates because of the added costs of interim operations. For instance, an office is easy enough to find an interim space for; a restaurant is more expensive to cover because the insurance company will be paying for a new commercial space as well as either renting kitchen equipment or moving your existing stock to a new place.  Payouts Vary Based on Projected Income Finally, remember that a large portion of your potential payout will be based on your projected income. If you are a business that is struggling to get on its feet and you’ve taken some losses already in the past several years, then speak with a business insurance broker to see whether interruption coverage would be valuable. Even though you may not get a lot of coverage for income loss, this coverage could still be valuable to protect you against those interim costs.  To learn more, contact a company like Ratcliffe...

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Newlyweds: 3 Reasons To Combine Auto Insurance Policies

Posted by on Jul 11, 2016 in Uncategorized |

If you have just married the love of your life, the last thing that you might be thinking about is your car insurance. However, if you haven’t done so yet, you should know that this is an important step to take. If the two of you have insurance through different providers, you may want to compare your options to see which one will be cheaper as a combined policy. Regardless of which company you choose, however, consider these reasons why this is an important step to take when you return from the honeymoon. 1. You Might Be Required To Many insurance companies require that anyone who is of driving age in a household should be on the same policy. Others require that a person’s spouse be listed on his or her insurance policy, even if that person is not a licensed driver. By making sure that both of you are on the policy, you can help ensure that you are fully compliant with any requirements that might be in place by your insurer. 2. You Might Save Money Some people don’t realize it, but combining your insurance policies might help you save money. Some auto insurance providers actually use being married as a factor that goes into how much they charge, so you could save money instantly by letting your insurance company know that you have tied the knot. Plus, you may qualify for a multi-car discount or other discounts. It’s a great way to save money, which is always a good thing after a pricey wedding and honeymoon. 3. You’ll Be Covered Now that the two of you are married, there is a chance that you might share vehicles more than you think. You might take your spouse’s car in for an oil change, or he or she might drive your car to work one day for one reason or another. If you aren’t both listed on the same policy, this could cause problems if there were an accident. If you combine policies, however, you’ll make sure that you are covered for whatever might happen, which can provide peace of mind for your new marriage. As you can see, there are a few reasons why it’s smart to combine auto insurance policies if you are newlyweds. If you are unsure about the process, consider calling your insurance agent to let him or her know that you have gotten married and to get some insight as to what you should do next. To learn more, contact an insurance company like LA...

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Facing Rising Insurance Costs In Mississippi? What Are Your Options?

Posted by on Jun 1, 2016 in Uncategorized |

If you’re a resident of Mississippi, you may be greeting summer with not only hotter temperatures, but an increased auto insurance premium — even if your driving record hasn’t changed. Due to a higher-than-expected number of claims over recent years and other increased costs of doing business in the Magnolia State, many insurers have been required to make up costs by raising their rates on customers. Is there anything you can do to avoid a rate hike or protect yourself from future insurance increases? Read on to learn more about what you may be able to do to get costs back to where they began. Look at your deductibles Most auto lenders will require you to carry sufficiently low deductibles to ensure that your car (and their collateral) is fixed if you’re involved in an accident. Raising these deductibles without notice to your insurer could put your loan in jeopardy, so you’ll want to double-check these numbers before making any changes to your auto insurance policy. However, if you own your vehicle outright, you can often slash costs significantly by increasing your deductible so that you’ll only need to turn in catastrophic claims. Because the repair of even moderate body damage can often rival the book value of an older vehicle, self-insuring for all but major repairs is often the cheapest policy you can have. Emphasize your safe driving record For those without any accidents or traffic infractions on their record, obtaining lower costs should be easy. Even for those with a slightly imperfect record, discounts can be had if you take advantage of safe driving courses or other insurance-approved activities to reduce your rates. If you do get a speeding ticket or other traffic ticket, look into the possibility of a diversion or deferral program that will allow your record to be wiped clean after a certain period of time with no further offenses.  Get some quotes Finally, you’ll want to shop around. Although Mississippi is likely to see an across-the-board increase in the rates being charged by auto insurance companies, each company has its own proprietary formula to assess financial risk — so switching to a new company with a formula more favorable to your own circumstances (such as one that gives points for having a good credit score or lengthy driving history) can help save you money. The only way to determine what each company can offer you is to have your rates quoted with several insurers in your area–ideally a mix of large national companies and smaller local ones.  To learn more, contact a company like Insure With...

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4 Things To Consider When Purchasing Homeowners Insurance

Posted by on May 13, 2016 in Uncategorized |

As a homeowner, purchasing homeowners insurance is important to ensure that you are protected financially in the case that your home is damaged or totally lost. Without homeowners insurance, you will have to pay out of pocket to replace your personal belongings and make repairs to your home, which can be nearly impossible if you don’t have any savings. This is why it’s also important to be sure that when you purchase homeowners insurance, it has enough coverage to keep you as protected as possible. Here are four things to consider when purchasing homeowners insurance: The Way Claims are Processed: When speaking with a homeowners insurance company, be sure to ask what the claims process is like. This is important if you don’t have a savings to replace items in the case of damages. This is because some homeowners insurance companies will process claims by providing you with the replacement value for your items up front while others will only provide you with the replacement amount once the items have been replaced and you can provide receipts. This may be impossible to do if you don’t have the resources to replace the items on your own.  Floaters: Adding floaters to your insurance policy is important because you want to be sure that your personal belongings are fully protected. Some basic homeowners insurance policies won’t cover the full replacement value of computers, jewelry, and more. Be sure to ask about this to determine whether or not you need to add floaters to your policy.  Inspections: Every time your homeowners insurance is up for renewal or when purchasing a new policy, it’s important to have an appraiser inspect your home to determine your replacement value. The replacement value of your home is going to change based on inflation, which is why this is so important. You want to be sure that you have the right coverage amount in the case that your home is destroyed completely and you need to rebuild.  Umbrella Policy: Adding an umbrella policy to your homeowners insurance is definitely something to consider because it adds extra liability coverage. This is important because basic homeowners insurance policy typically only cover liability claims for a certain amount and many times, if someone is hurt on your property, they sue for much more. Adding this policy will protect you further, which is important to consider if your home has certain risks, such as stairs, a swimming pool, and more.  When you consider these four things when purchasing homeowners insurance, you can be sure that you are adequately covered. Contact an agent, like those at Family Insurance Centers and similar offices, for more...

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Four Hidden Benefits Of Health Insurance

Posted by on Apr 28, 2016 in Uncategorized |

If you haven’t scrutinized your health insurance policy, get up and do it now. Focus especially on the fine print; you may unearth loads of benefits that you may not know are there. Here are some of the benefits that people don’t normally associate with health insurance: Disease Management If you have a chronic health condition, it is in your insurer’s best interest to ensure your health doesn’t deteriorate further. This is why some health insurers offer disease management as an added benefit to their clients. Through disease management, your insurer provides you with coordinated healthcare interventions and communications to enhance your self-care efforts. Chronic health conditions require more healthcare services (such as tests and prescriptions) compared to those without such conditions. There may also be lifestyle changes or efforts they are required to adopt to manage their conditions. A disease management program coordinates all such services and ensures that you benefit from them, and at manageable costs. Nurse Advice Lines Many insurers provide their clients with nurse lines, mostly toll-free for asking medical questions. In some cases, you can also get the same service via web portals. These lines are managed round the clock so that you can use them at any time. For example, if you are not sure how to take an over-the-counter medication, you can call the nurse line and get clarification. You can also use the nurse line to get a preliminary assessment of a medical condition before heading to the emergency room. Breast Reduction Surgery Most health insurance procedures do not pay for cosmetic procedures, breast reduction being one of them. However, there are exceptions which may make your insurer pay for your breast reduction surgery. Generally, you have to convince your insurer that the surgery is a medical procedure and not a cosmetic one. For example, you may need breast surgery as a medical necessity if you have back pain since the reduction may help take some weight off your back and relieve your pain. Gym Membership Discounts Finally, your health insurer may also come to your rescue when it comes to high gym membership costs. Exercise is a well-documented health benefit, and your insurer is interested in keeping you healthy. Therefore, some insurers may pay your total gym membership fees (a minimum applies) while others may offer you a substantial discount. In short, your insurer isn’t just there to settle your medical costs if you fall ill. These are just a few examples of hidden benefits you may enjoy from your health insurer. Contact a company like Davies-Barry Ins to learn more about these and other benefits you may be missing out...

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4 Things That Determine Your Home Insurance Rate

Posted by on Apr 13, 2016 in Uncategorized |

As a homeowner, having home insurance is highly important to protect you financially in the case of a disaster, such as theft, hail, or fire. When you first purchase home insurance, you should know what is going to help determine your rate. When you know what determines your rate, you can be prepared for the rates that you receive. Here are four things that you may not know determine your home insurance rate: Making a Claim: Making a claim through your home insurance is going to affect your rate. The more claims on your policy, the higher your rate is going to be because your home is going to be considered a higher risk. This is why you should consider the claims that you make carefully. If the damages are less than your deductible, then making a claim is unnecessary since you will have to pay out of pocket anyway and the insurance won’t cover any of the costs.  The Previous Owner’s Claims: The previous owner’s claim made on their home insurance is also going to affect your rate. Since this is out of your control, it’s definitely something to consider whenever you purchase a home. Your real estate agent can determine how many claims have been made in the past. When you consider this before purchasing a home, you can be sure that you can actually afford the costs of owning this specific home. If there have been many claims made in the past, you may not be able to afford the insurance on the home. Certain Dog Breeds: Having a dog in your home is something that is desirable for many homeowners. Dog’s make great, loyal companions. However, there are some breeds of dogs that are going to increase your rate on your home insurance. This is because of the higher risk of dog bites occurring. If your dog were to bite someone, your home insurance would have to pay for those injuries. Be sure that before you bring a dog home, you know what breeds your home insurance company considers to be high-risk dogs.  Additional Coverage: Many homeowners have to purchase additional coverage on their home insurance because their basic home insurance won’t cover certain things that your home could be at risk for. For example, flood and earthquake damage are usually not included in a regular insurance package; instead, you must purchase additional coverage. Purchasing this additional coverage can be costly, so be sure that before you purchase a home, you know what you are at high risk for and whether or not you can afford to insure against that risk.  When you know these four things that determine your home insurance rate, you know some ways that you can avoid high...

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Been In A Car Accident? 4 Signs of a Traumatic Brain Injury That You Should Watch Out For

Posted by on Mar 20, 2016 in Uncategorized |

If you’ve been involved in a car accident and didn’t sustain any visible injuries, you might have decided that you don’t need a lawyer. However, that might not be in your best interest. Traumatic brain injuries are a common injury associated with high-impact auto accidents. Unfortunately, brain injuries often go undiagnosed for weeks and even months following an accident. One of the reasons for this is that accident victims often feel fine after an accident, especially if they don’t have any broken bones. If you’ve begun to exhibit unusual symptoms following your car accident, you need to consult with your physician immediately. You also need to consult with a personal injury attorney, like those at J D’Agostino & Associates, P.C., as soon as possible. Here are some signs of traumatic brain injury that you should be aware of. Cognitive Changes Traumatic brain injuries often manifest themselves in the form of cognitive changes. You might not even notice the changes at first. However, as the injury advances, you’ll begin to notice changes in the way you think and act. These are some of the cognitive changes you should look out for. Difficulties with memory or concentration Difficulty making decisions Delays in thinking or speaking Increased confusion. Sleep Changes Changes in your sleep patterns can also signify a traumatic brain injury, especially if the changes are drastic. For instance, if you are suddenly sleeping more or less than you used to, or you have a difficult time waking up once you are asleep, you may have sustained an undiagnosed brain injury in your car accident. Sensory Changes You might not realize this, but your senses can also be affected by a traumatic brain injury. Your sense of sight, sound, smell and taste can all undergo changes as the result of a TBI. Some of those changes can manifest themselves in the following ways. Sensitivity to light Blurred vision Increased sensitivity to sound Decreased sense of smell or taste Ringing in the ears Emotional Changes If you’ve been experiencing emotional changes following your car accident, it might be more than just shock. Traumatic brain injuries often manifest themselves through emotional changes. Some of the emotional changes you should be aware of include increases irritability or agitation, as well as feelings of excessive sadness or anger that come on for no reason. If you’ve been in a car accident, you should seek medical care whether you have visible signs of injuries or not. It’s also important that you consult with an accident lawyer. If you begin experiencing any of the symptoms described above, you should seek emergency medical attention as soon as...

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