Author Archives: Admin

Insurance fraud is an organized criminal enterprise with devastating economic repercussions, costing both companies and consumers billions each year. Committed by everyone from homeowners staging burglaries to doctors overbilling patients for procedures, insurance fraud has reached new depths of deceitfulness in recent years. Insurance fraud can be reported by anyone, from members of the general […]

New York is a no-fault insurance state, meaning this policy protects drivers, passengers and pedestrians injured in automobile accidents without assigning blame for their losses. Insurance covers medical/health expenses, lost wages and any other reasonable and necessary expenses associated with an accident. To access these benefits, an examination under oath (EUO) must take place wherein […]

How your oral surgery is covered by medical insurance depends upon the nature and reimbursement rates used by both plans, given how claims for both medical and dental coverage differ significantly. Most traditional and HMO medical plans provide coverage for dental-involved surgeries for treatment of fractures, dislocations and facial wounds/lacerations. Click here to find out […]

Pre-existing conditions refers to any medical illness or injury you had prior to enrolling in a health insurance plan. Pre-existing conditions were once seen as an impediment to getting or changing healthcare coverage, but that all changed with the passage of the Affordable Care Act (ACA or Obamacare) in 2014. Now, unless your plan falls […]

Car insurance premiums are calculated based on various factors that reflect actuarial predictions of future claims. You have the option to pay your premium all at once or in installments such as every six months or monthly. Age and gender can have no bearing on your rates; others, however, can significantly alter them. The Car […]

Homeowners insurance typically reimburses foundation repairs through either actual cash value or replacement cost coverage; however, damage must have been caused by perils covered under your policy in order to receive reimbursement. Cracked walls and doors/windows that don’t close properly as well as sagging floors can all indicate foundation problems in a home, though negligence […]

Mechanical bulls are popular at entertainment venues and parties, but they pose inherent risks that must be managed effectively to minimize injury to guests and ultimately reduce insurance premiums. Business owners must also consider additional costs such as equipment storage and maintenance fees. Comparing policies and taking proactive safety measures may help further decrease insurance […]

Primerica is a multi-level marketing company offering insurance, investments and financial services to middle-income families throughout the US. They enjoy an excellent financial rating from the National Association of Insurance Commissioners as well as scoring relatively highly on J.D. Power’s customer satisfaction survey. However, many customers are dissatisfied with their Primerica life insurance policies and […]

Eliminating mortgage insurance (PMI) can save homeowners significant sums. But in order to do so, certain requirements must be fulfilled in order for lenders to remove it. These requirements include having attained a certain amount of home equity, having undergone a recent appraisal, and remaining current on your mortgage payments. Discover when it may be […]

Similar to using numbers in a chart of accounts to organize assets and liabilities, government categorizes businesses by industry using Standard Industrial Classification codes (SIC codes). SIC codes consist of four-digit numbers used by private data organizations, government agencies, marketers and more for categorization purposes. The Standard Industrial Classification Code system can be divided into […]