Author Archives: Admin

As any North Carolinian paying insurance policies knows, traffic tickets can quickly accumulate – especially in Raleigh-Durham area. My team and I frequently work with law enforcement officers and prosecutors in order to reduce or dismiss tickets as quickly as possible. However, many do not realize that SDIP points can also have an effect on […]

Title insurance costs can be one of the more perplexing line items on a closing cost worksheet, yet getting an approximate idea of their costs should not be difficult. This article will help you gain an understanding of how TRID-regulated disclosures such as Closing Disclosure and Loan Estimate are calculated so you can shop around […]

Credit card travel insurance is an invaluable perk for frequent travelers, offering cancellation/interruption coverage, rental car collision damage waiver insurance and luggage delay/loss coverage among other benefits. Discover decided to discontinue its travel insurance benefit as well as additional card extras like extended warranties and purchase protection in 2018, but other card issuers still provide […]

Homeowners insurance is an invaluable tool, yet some issues still occur that don’t seem covered. A common example involves stucco damage caused by water, particularly around doors and windows. Are Homeowners Insurance Policy Cover Damage? It depends on several factors. First and foremost is whether or not the damage occurred as a result of an […]

Insurance holding companies must disclose various information to state regulators, including details on each insurer within their system’s financial condition and management as well as details about any material agreements or transactions between insurer and affiliates (e.g. asset sales/purchases, loans, dividends/distributions to shareholders/pledge of stock). ALIGNED can connect you with a commercial insurance expert who […]

Your National Insurance Number (NIN) is an essential piece of information that you’ll use throughout your working career. Protect it at all costs to avoid future complications! Checking your National Insurance Number online using HMRC’s app and Personal Tax Account is the simplest and quickest method. However, postal requests will take several days. Online Finding […]

As much of the nation faces natural disasters, property owners need to understand how their insurance settlements will impact taxes. Luckily, casualty losses for rental properties are tax deductible – with deductible losses equaling adjusted basis less salvage value. This includes rental property damaged in an act of nature or stolen from its location; however, […]

Florida law mandates proof of insurance when registering vehicles in the state, and many lenders and lien holders require full coverage policies when financing vehicles. Typically, minimum state requirements include $10,000 of property damage liability (PDL). This covers other drivers’ car expenses in an accident caused by you. What is the Minimum Requirement? Florida car […]

Americans pay various health insurance premiums depending on where they reside and if subsidies help to reduce the cost. Individuals and families who obtain health insurance through an employer typically share in the cost of premium payments; this amount is divided between employees and employers, though workers also face expenses such as deductibles and copays. […]

No matter whether it is offered through your employer or purchased independently, many factors should be taken into account when purchasing dental coverage, such as deductibles, co-pays and annual coverage limits. Most dental insurance plans cover preventive services like cleanings and exams with limited or no out-of-pocket costs; these plans differ from medical expense plans […]