Ohio law enforcement investigated 54,662 accidents in 2020 and reported 9,352 distracted-driving violations. They also charged 25,624 drivers for operating a motor vehicle impaired (OVI). According to data from Ohio State Highway Patrol, there were more than 1200 deaths on Ohio roads in 2020. Ohio law requires all drivers to have at least the minimum amount of insurance. Insurance […]
Category Archives: Finance Guide
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May
May
On average, drivers in Indianapolis pay $411 annually for minimum coverage and $1398 for full coverage. This is higher than the average cost for car insurance across the state. This is because Indianapolis has the highest number of accidents in Indiana every year. In 2018, there were 36.932 collisions. We consider many factors when determining the best carriers that […]
10
May
May
It can be thrilling to purchase a car, new or used. To financially protect your car (and you), it is important to determine the best car insurance. According to Bankrate’s 2021 study on annual premiums, the national average cost for car insurance is $1674 annually for full coverage. This is a good starting point for a basic vehicle, however luxury […]
10
May
May
An individual may become incapacitated or lose control of their bodily functions due to seizure. The consequences could be severe if such an event occurs while a driver is driving. Driver’s licenses may be suspended by DMVs in many states if the driver has epilepsy or is suffering from seizures. These restrictions are in place for driver safety […]
10
May
May
Group health insurance plans provided through employers typically cover some or all costs for medical services like visits to doctors and approved in- and outpatient procedures, prescriptions and therapeutic care services. Group insurance premiums are deducted directly from employees’ paychecks before being taxed, providing tax advantages for both employers and workers alike. Its advantages are […]
10
May
May
Mortgage insurance protects lenders against loss if you default on your loan. It’s typically required for conventional loans with down payments below 20% and FHA mortgages, and payments may either be made up front or included as part of monthly installments. Make a larger down payment or opt for a piggyback second mortgage to avoid […]
10
May
May
Graded death benefit whole life insurance offers a unique solution for people whose health conditions or lifestyle risks make traditional whole life coverage hard to access. Typically more affordable and offering guaranteed coverage, graded death benefit policies provide guaranteed coverage with graded benefits. However, there are certain terms and conditions to take into consideration before […]
10
May
May
Insurance agent careers offer some of the highest potential earnings, yet still come with challenges and frustrations. You will hear more no’s than yes’s in this industry! Maintaining customer retention will bring in additional profits by selling renewal policies to existing clients. Commissions Insurance agents receive commission for each policy premium they sell, with commission […]
09
May
May
The worst thing about water restoration is when the adjuster calls to tell you that your invoice is too high. In my 14+ years of water restoration, I have received many calls from adjusters stating that my price for this fan or dehumidifier is too high. I used to get annoyed by this until I discovered the […]
09
May
May
Many insurance companies are becoming more strict about claims made by customers to prevent fraud. While some insurers may delay payment in order to raise legitimate questions about claims, other insurers dither or refuse payment for no apparent reason. These are the most common excuses that insurance companies use to deny or limit auto, home, […]