Author Archives: Admin

Car insurance is required in many states because it demonstrates financial responsibility and protects from potential large financial burdens should an accident happen. Without car insurance, severe penalties such as license and registration suspension or cancellation could apply – penalties that include license suspension/revocation as well as fines/penalties can arise from accidents occurring without it. […]

An insurance pre-licensing course makes the learning experience less daunting for many individuals who face the task of passing their state’s insurance licensing exam. Kaplan Financial stands out from the pack due to their budget-friendly prices, course packages containing invaluable learning tools and impressive test pass rates. While their forced progression model may prove frustrating […]

After the death of a loved one, dealing with life insurance paperwork can be daunting. Luckily, there are resources available to you that will assist with finding any lost policies or annuity contracts. Are You Missing Money From an Estate of Deceased Relatives? Attempt using the National Association of Insurance Commissioners Search Tool, as well […]

Traditional dental insurance coverage typically comprises monthly premium, deductible and coinsurance payments; some plans even offer maximum annual coverage amounts. Dental discount programs provide an affordable alternative to traditional insurance plans, typically charging an upfront membership fee and covering preventive services 100% without deductibles or copays while offering discounts on other procedures. Preventative Care Dental […]

Do you remember the old saying “an ounce of prevention is worth a pound of cure?” Health insurance makes it easier than ever before to access preventive services like routine physicals, immunizations and screenings. Medical expenses can be extremely costly, but health insurance may help alleviate a substantial financial strain should major medical care be […]

Typically, it is wise to purchase enough coverage to protect both your assets and debts, in terms of both collision and comprehensive policies which may or may not be mandated by your state or auto lender. Virtually every state requires drivers to maintain certain minimum limits of liability coverage, while beyond that minimums, you should […]

PIP insurance in New York covers medical bills, partial reimbursement of lost wages and property damage; however, insurance companies may deny a personal injury claim for various reasons. Denials could result from unclear policy language; in such instances it would be wise to consult an attorney. Policy Exclusions Policy exclusions are designed to limit coverage […]

Assuring yourself and other drivers in an accident depends on both the specifics of your insurance policy and circumstances surrounding it. Most often, collision or uninsured motorist coverage should provide sufficient coverage while paying your deductible amount. However, if the driver flees before you have time to file your claim and attempt recovery of losses […]

Comprehensive car insurance claims cover damage caused by events other than collision with another vehicle or object (covered by collision coverage). Examples include theft, vandalism and natural disasters. As with collision coverage, comprehensive car insurance comes with its own set of deductibles – this amount represents what must be paid before any claims payment can […]

Car insurance policies do not typically permit insuring a vehicle not in your name due to insurance companies requiring that its primary policyholder and titleholder be listed on the policy as insurable interests – something not always possible when dealing with untitled cars. There are, however, two ways you can work around this. Either you […]