May 14 2012

Far-reaching implications confront insurers in the Trayvon Martin case

Posted by Lachlan Bethel in Top Insurance Quotes

The glare of publicity is now on George Zimmerman, who, as a Neighborhood Watch captain, admits shooting Trayvon Martin to death in a Sanford, Fla., suburb on the night of Feb. 26.

But attorneys and insurers see wider implications in the case. Was Zimmerman representing The Retreat at Twin Lakes community, where he lived and patrolled? Was his effort to keep the community safe supported by its property manager? And was he operating with the approval of the Sanford Police Department, which communicated with him?

These questions are sure to be raised when the Martins almost certainly files civil suits seeking damages for the death of their son.

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May 07 2012

Aon Hewitt Setting up Large Group Health Insurance Exchange

Posted by Lachlan Bethel in Top Insurance Quotes

Aon Hewitt Inc. is developing a health insurance exchange that would enable employers with least 1,000 employees to offer their workers an array of plans provided by participating insurers. By using the exchange, employers would be relieved of the time and expense of choosing health insurers and administering their plans, while employees would have a broader choice of health plans, explained Ken Sperling, global health and benefits practice leader in Aon Hewitts Norwalk, Conn., office. Employers wouldnt have to worry about bids or plan administration, Mr. Sperling notes.

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Apr 14 2012

How to get your auto insurer to pay your claim

Posted by Lachlan Bethel in Top Insurance Quotes

With warm weather and summer coming fast, youll likely be hitting the road more often, despite climbing gas prices – and more driving always means an increased risk for a claim.

A little time spent thinking about the filing process now may pay off later, should you need the information.

First off, dont be intimidated by the claims process. Maybe youve never taken this journey before, but when youre prepared youll be a bit more confident. And youll need to act boldly. According to the Consumer Federation of America, in recent years, some auto insurance companies have begun using practices that can make it tougher for you to get what you should for your claim.

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Oct 21 2011

You do not have to buy on site caravan insurance

Posted by Lachlan Bethel in Top Insurance Quotes

The site owners of your chosen caravan locations may try to give you the impression that you are obliged to buy their on site caravan insurance if you want to locate your caravan on their site.

In fact, nothing could be further from the truth. You are under absolutely no obligation to buy on site caravan insurance.

The site owner may have every right to ensure that you have appropriate insurance cover prior to allowing you access to their site and if so, this would be perfectly understandable – particularly from a third party liability viewpoint.

Accidents can and do happen and having the financial security of caravan insurance behind you may be indispensable.

Being able to choose your own policy though may be just as important.

Your caravan probably represents a substantial investment for you. B

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Sep 25 2011

IRS Guidance on Reporting Group Health Insurance

Posted by Lachlan Bethel in Top Insurance Quotes

Today, the Internal Revenue Service issued interim guidance to employers on informational reporting on each employee’s annual Form W-2 of the cost of the health insurance coverage they sponsor for employees. The IRS is also requesting comments on this interim guidance. The IRS emphasized that this new reporting to employees is for their information only, to inform them of the cost of their health coverage, and does not cause excludable employer-provided health coverage to become taxable; employer-provided health coverage continues to be excludable from an employee’s income, and is not taxable.

Reporting is Voluntary for All Employers for 2011 and Small Employers for 2012

The Affordable Care Act provides that employers are required to report the cost of employer-provided health care coverage on the Form W-2.

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Aug 27 2011

Points to note with static caravan cover

Posted by Lachlan Bethel in Top Insurance Quotes

If you are looking at a number of quotations relating to static caravan cover, you may be wondering how to choose between them.

Here are a few points that you may wish to keep in mind:

  • some static caravan cover may offer relatively limited protection for your contents and you may find that certain categories of item are excluded or that there are certain maximum payment values applied that may not be reasonable in your particular situation;
  • some policies may offer a range of discount opportunities if you adopt certain good practices these may be worth looking out for, as they may offer you the chance to save some money on your premium;
  • it may be typically advisable to carefully consider any plan to locate your caravan on a site that is prone to flooding, as apart from anything else, this may cause difficulties in the case of some static caravan insurance;
  • wintertime is typically a high-risk period for caravans and insurance companies, therefore, if you store your caravan over the winter in a secure CaSSOA approved facility, you may benefit from lower premiums;
  • not all policies will be happy to cover awnings, so if you have one, this might prove to be something that makes one policy more attractive than another;
  • it might be highly advisable to be sure what sort of replacement would be provided/funded, in the event that your static caravan was completely destroyed some policies may be rather better in this respect than others;
  • finally, some static caravan cover may be very specific indeed as to how your caravan must be anchored and secured make sure that you select a policy where you are confident that you will be able to comply with any such conditions, if they exist.

Aug 25 2011

Insurance protection for your valuables

Posted by Lachlan Bethel in Top Insurance Quotes

If you’ve inherited or were given a valuable piece of jewelry or art, you need to do more than find a special spot for safe keeping. You need to make sure you have enough insurance to protect it.

Standard home insurance policies provide coverage for household belongings, but they have limits for precious items, such as jewelry, fine art and furs.

The standard home insurance policy’s coverage limits for theft of jewelry, for instance, is usually $1,500, according to the Insurance Information Institute (I.I.I.).

To increase coverage, you can pay a higher home insurance premium to raise the coverage limit or purchase a “floater” policy. Raising

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Aug 19 2011

How to Buy a Commercial Auto Insurance

Posted by admin in Top Insurance Quotes

Your personal auto insurance policy doesn’t not cover your vehicle when it is used for commercial purposes. For business vehicles – or personal vehicles that you also use for commercial purposes – you will need to get a comprehensive commercial auto insurance. In this article, we are going to discuss how you can buy a good commercial auto insurance policy easily.

Before you start your search for the right insurance policy to buy, you need to first gather the necessary details. The n Read full post…

Jun 23 2011

Insurance Medical Exams: Blood Profile Test

Posted by Lachlan Bethel in Top Insurance Quotes
A blood profile test is standard for most insurance applications over $250,000. Photo by blakespot

(WRITER’S NOTE: The following article is the first to kick off a new section on this site detailing exactly what insurance companies are looking for during those customary medical tests that play a large role in determining whether you are qualified or disqualified from certain insurance policies. Read on to find out exactly what to expect.)

Most insurance applications with medical tests include blood tests. Insurance companies will generally ask for blood tests on almost all applications where the face amount exceeds 250,000.

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