Posts Tagged ‘From’
What is the procedure regarding auto insurance when getting the car from dealership to home?
January 30th, 2012
Question by nuwa k: What is the procedure regarding auto insurance when getting the car from dealership to home?
First time car buyer, going with a friend to buy the car from a dealership, how to get the car back to home ? I think I obviously need an auto insurance, but without knowing the vehicle registration details how to get the auto insurance before purchasing?
Hope my question is clear enough!
Best answer:
Answer by squishy
Many dealerships will suggest companies or allow you to phone them from the store. Or in some cases, allow you to shop around a couple of days and then bring the proof back in, though you may have to leave the car there while you do this. By law, most can’t allow you to leave without insurance; I would check with the dealership and see what their policy is regarding the issue. Some have insurance available there, but it is often more costly than if you shop around yourself.
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How much money do you usually receive from insurance in the case of a house fire?
January 25th, 2012
Question by guadalupe: How much money do you usually receive from insurance in the case of a house fire?
For example, how much would receive to replace clothes, if all were lost in the fire?
Best answer:
Answer by dream girl
80% of your total coverage usually covers contents.
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Is auto insurance in Manitoba private or pubic? How is auto insurance in Manitoba different from Ontario?
January 23rd, 2012
Question by : Is auto insurance in Manitoba private or pubic? How is auto insurance in Manitoba different from Ontario?
Is auto insurance in Manitoba private or pubic? How is auto insurance in Manitoba different from Ontario? Which is better and why?
Best answer:
Answer by What the?
Insurance in MB is public and governed by the province. One insurance, one level of coverage, and you cannot sue for pain/ suffering. Price is also set by number of demerits or based on driver experience. In ontario, insurance is private but still regulated somewhat by the government. In Ontario you can sue up to a certain amount for pain and suffering. Usually drivers under 25 years of age pay huge premiums regardless of driving history, in MB that is not the case. Hope that helps.
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IQ expert Jason Beans: Health insurance lessons from Gabby Giffords’ recovery
January 20th, 2012
Jason Beans
Q: I heard Congresswoman Gabby Giffords interviewed and am heartened by her comeback, assisted by hours of speech and physical therapy each day and around-the-clock care. I’m one of the 44 million uninsured people in the United States. If something that awful were to happen to me, how would my care differ from hers?
A: Rehabilitation for a traumatic brain injury (TBI) is a long, tough, expensive process.
The federal Centers for Disease Control and Prevention reports that TBI costs the United States an estimated $ 76.5 billion each year (direct medical costs and indirect costs, such as lost productivity). So even if you have insurance, you would have to have the right insurance that covers TBI. Over a lifetime, the estimated recovery costs for someone with TBI range from $ 85,000 for a mild injury to $ 3 million for a severe injury.
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| Mark Kelly has been by wife Gabby Giffords’ side throughout her recovery from a traumatic brain injury. |
If you do not have the insurance or resources to pay for those sky-high expenses, state or county government programs for indigent care might reimburse health care providers for part of the costs. In other cases, health care providers may just write off the expenses. Keep in mind that until the debt is forgiven, dismissed or settled, health care providers can continue to seek payment.
Fortunately, Gabby Giffords’ congressional health insurance plan allowed her to get the best treatment possible. Our military personnel and Medicaid recipients do not get that same coverage, even though the need for TBI coverage is apparent.
One in five combat veterans of Iraq and Afghanistan has suffered some form of TBI. Despite that figure, TriCare, the health insurer for the military, continues to balk at covering cognitive rehabilitation therapy (CRT) as a stand-alone therapy. The reason? TriCare says scientific evidence doesn’t exist to support the effectiveness of CRT.
Look at the cost of one-on-one therapy for TBI, and you can see why an organization might question its effectiveness. For a patient to re-learn basic life skills (language, math and memory), one-on-one therapy costs roughly $ 50,000 for four months.
Fortunately, Congresswoman Giffords of Arizona, ABC reporter Bob Woodruff and U.S. Sen. Tim Johnson of South Dakota — all TBI survivors — have been able to get CRT. Help may be on the way for military veterans who are recovering from TBI; a bill pending in Congress would improve rehabilitation services for them.
With millions of Americans lacking health insurance or having inadequate coverage, it’s very unlikely that the Cadillac level of care received by Giffords would be available to most people. This isn’t just a matter of the haves and the have-nots. Many folks who do have insurance still face an uphill battle to get their expensive, lengthy rehabilitation covered.
If you’ve got health insurance, here are five things you should do to make sure you’d be cared for properly if you were disabled and needed rehab:
1. Call your health insurance company to see whether your policy would let you to go to an inpatient rehabilitation hospital rather than a nursing home. According to a study in the Journal of the American Medical Association, stroke victims are three times more likely to go home from an inpatient rehabilitation hospital than from a nursing home. Nursing homes often use words like “rehabilitation center” in their names, but that doesn’t mean they’re hospitals.
2. Read your health insurance policy to see whether you have a rehabilitation benefit. If so, how many days or visits will it pay for? Many policies restrict the number of therapy visits and may not cover cognitive or psychological services. While 30 visits may sound like a lot, it’s not if you require months of rehab after a catastrophic injury.
3. Enlist your physician as your advocate.
4. Appeal any decisions by your health insurance company that you think are unwarranted.
5. Do your research. Find out who provides the best treatment for TBI (or whatever disability you may have).
Beyond financial considerations, emotional support comes into play. Facing TBI is not a battle you should fight on your own. It takes caring, patient relatives and friends to push the medical community and insurance companies. The support, love and optimism that Giffords’ husband has demonstrated throughout his wife’s recovery accounts for a great deal of her progress.
Jason Beans is CEO of Chicago-based Rising Medical Solutions, a medical cost containment/care management company serving the workers’ compensation, group health, auto and liability markets. Beans founded Rising in 1999. Since then, Beans has received a number of honors, including Business Council Advisory Man of the Year and Midwest finalist for Ernst & Young Entrepreneur of the Year. Rising has appeared several times on the Private Company Index’s Top 10 Growth list and Inc. magazine’s Inc. 5000 list.
Beans earned a master’s degree from MIT’s Entrepreneurial Masters Program and a bachelor’s degree in finance from Boston College.
For more information, visit www.risingms.com.
If you have a health insurance question for Jason Beans, please send it to john.egan@insurancequotes.com.
Tamara E. Holmes
Insurance rates are determined by an array of factors, ranging from where a policyholder lives to his or her claims and credit histories. Now, a controversial study by a coalition of public interest groups suggests another factor: Property and casualty insurers — the companies that help protect your car and home — come up with “manufactured crises” to justify rate hikes.
The study, “Repeat Offenders: How The Insurance Industry Manufactures Crises And Harms America,” asserts that the property and casualty insurance industry creates “hard markets,” or periods when insurance becomes more expensive and harder to get. Commissioned by Americans for Insurance Reform, the study says the country is headed for higher insurance rates as a result of a new “hard market.”
“Hurricane Irene in late August 2011, which was greatly hyped by the Weather Channel but wasn’t nearly the catastrophe that was expected, has been used by insurance industry representatives to push the country into a new hard market,” the report says. “This is despite the fact that the industry is perfectly able to handle those claims in addition to having stored away excess profits for decades so that today, it is in an all-time safe position.”
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| A new study accuses insurers of leaning on disasters like Hurricane Irene to justify rate hikes. |
The study’s authors are Robert Hunter, director of insurance at the Consumer Federation of America, and Joanne Doroshow, executive director of the Center for Justice & Democracy at New York Law School. They contend that during these hard markets, insurance executives engage in anti-competitive practices by pressuring their rivals to raise rates. Furthermore, they say, weak state regulatory laws are partly to blame for these hard markets.
“Companies get away with creating these crises without any accountability because the states just don’t act and sometimes don’t have the power to act,” Doroshow says. Additionally, she says, state insurance departments often are understaffed or underfunded, so they can’t focus enough resources on oversight.
A flawed analysis?
Not surprisingly, the insurance industry takes issue with the study.
The industry-backed Insurance Information Institute calls the study flawed, pointing out that the property and casualty industry paid out $ 108 billion in claims in 2011 alone — the second highest amount ever. In the meantime, the institute says, some insurance customers have seen their rates drop. For example, insurance premiums for businesses have fallen 40 percent between 2004 and 2011, the institute says.
“The Americans for Insurance Reform report ignores the fact that trillions of dollars paid by insurers to millions of claimants in recent years is the single most important source of recovery for individuals, businesses and entire communities in their time of greatest need,” Robert Hartwig, the institute’s president, says in a statement. “Despite such large-scale claim activity and global economic turmoil, insurance remains universally available and affordable.”
Others point out that safeguards already are in place to prevent price-gouging. According to the National Association of Insurance Commissioners, state insurance regulators do have mechanisms to review rates for auto insurers, home insurers and other companies in the property and casualty market. Some states require rates to be approved before they take effect, while others allow an insurer to impose new rates while the state reviews them.
The effect on consumers
Despite disagreement about the study, one fact is clear: Periodic price escalations have taken place, and insurance consumers have felt the sting.
“It’s like sticker shock on a policyholder to suddenly get their rates increased by some large amount,” Doroshow says. In some cases, consumers have experienced 100 percent to 200 percent increases, she says. “Rates stay low and then they suddenly shoot up, and people are understandably feeling that they’ve been price-gouged,” Doroshow says.
Yet consumers aren’t totally at the mercy of insurance companies.
If you have questions about a premium increase, you should contact your insurance agent or insurance company, according to the National Association of Insurance Commissioners. What you need to find out is how you were rated by your insurer and whether something in your claims history, credit history or driving record triggered the rate increase. If you’re not satisfied with the answer, contact your state insurance department to file a complaint, the association says.
Doroshow says consumers shouldn’t stop there. If you think you’re being unfairly hit with higher rates, “it doesn’t hurt to let the attorney general of the state or even the governor know what’s going on,” she says. “A lot of times consumers or policyholders feel intimidated and like they have no power to complain, but really they do.”
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How should I do health insurance deduction from paycheck if I choose my own health insurance ?
January 19th, 2012
Question by shanravi_29: How should I do health insurance deduction from paycheck if I choose my own health insurance ?
I want to choose my own insurance instead of company sponsored plan.
Usually when we elect company sponsored plan the premium on health insurance
is tax deducted from the paycheck. But if I choose and pay my own insurance Can I still make tax deducted from each paycheck? or should I apply tax deduction during tax filing?
Best answer:
Answer by HMichele
You can’t payroll deduct if you are paying your premiums on a private insurance plan. The insurance company will be billing you not your company. If you are self-employeed, have 1099 income, you deduct the premiums from your taxes. You have to weigh the pros and cons of each and make an informed decision on which is better for you.
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Covering Disaster: Lessons from Media Coverage of Katrina and Rita
January 14th, 2012
Covering Disaster: Lessons from Media Coverage of Katrina and Rita
In 2005, journalists faced enormous challenges while covering hurricanes Katrina and Rita along America’s Gulf Coast. They struggled to find ways to communicate, move from one place to another, and find reputable information. They witnessed complete chaos, observed human suffering, and were outraged with delayed or ineffective rescue mechanisms. Not only did journalists face these normal problems of crises, since many themselves were among the victims, they were forced to do their jobs under circumstances that seemed impossible.
The contributors to Covering Disaster study personal and professional coping mechanisms and lessons that may be learned from media disaster coverage. During Katrina and Rita, journalists responded largely by redefining traditional ideals of fairness, balance, and objectivity and by adopting an emotionally driven and somewhat more subjective reporting style. In this way, they rediscovered and emphasied journalistic purposes and techniques that have long been the hallmarks of greatness. Their work during those months of destruction and pain was applauded by their readers and viewers because it was useful, critical of officials who were not doing their jobs, sought support for those who were suffering, and took a position of public leadership.
Now that the winds have died down, flood waters have receded, and rebuilding has begun, the brand of publicoriented journalism found in the midst of the storms must not be forgotten.
List Price: $ 24.95
Price: $ 22.50
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Take the Stairs: Leadership Lessons Learned From a Lifetime of Service with Auto- Owners Insurance Company
January 14th, 2012
Take the Stairs: Leadership Lessons Learned From a Lifetime of Service with Auto- Owners Insurance Company
There’s no elevator to the top! In the world of business, and in your personal life, there are no shortcuts to success. In this book the author who is chairman and chief – executive officer of Auto- Owners Insurance, shares a powerful prescription for becoming a leader and achieving your most meaningful goals.
List Price: $ 17.12
Price: $ 17.12
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Inside insurance: Protect yourself from being uninsured in 2012
January 14th, 2012
Inside insurance: Protect yourself from being uninsured in 2012
Why do I need renters insurance when someone else owns the place? The landlord is responsible for the building but not your belongings. If a fire or tornado or hurricane destroys the rental unit, without renters' coverage you cannot be compensated for …
Read more on Savannah Morning News
Consumer Reports: Beware Of Identity-Theft-Protection Offers
But ID-theft insurance is secondary to any other coverage that might pay out first, such as homeowner's or renter's insurance, and it mostly covers low-cost incidentals related to or resulting from the crime: notary fees, credit-report costs, …
Read more on Hartford Courant
ID theft services not necessary, but be careful on the CTA
They also recommend against costly identity theft insurance, since it's secondary to what your homeowner's or renter's insurance would already cover. A new year, a new look. That's what JS of the northwest suburbs was hoping for when she saw an ad …
Read more on Chicago Sun-Times
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How To Protect Your Family And Home From Nuclear Radiation
January 13th, 2012
How To Protect Your Family And Home From Nuclear Radiation
Ultimate Compendium On How To Protect Yourself From Nuclear Radiation, Nuclear Fallout, Environmental Contamination. Includes Interviews With World Class Experts, All The Information You And Your Family May Need To Avoid Radiation Poisoning.
How To Protect Your Family And Home From Nuclear Radiation
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Can a spouse be dropped from health insurance if they are still married?
December 30th, 2011
Monica Donaldson Stewart, Donaldson Stewart, PC, www.donaldsonstewartlaw.com – (480) 792-9770. Arizona Marriage Law FAQs: thelaw.tv Disclaimer: thelaw.tv
