Category Archives: Finance Guide

Home health agencies differ from physicians’ offices or hospitals in that medical billing is usually handled outside the business office and handled separately from its daily tasks. Instead, home health billing requires highly specialized knowledge from within their own staff members who specialize in this particular function of running the agency. First are providers such […]

For young drivers, it can be difficult to find affordable car insurance. This is because teenagers and younger adults under 25 are at greatest risk of getting into accidents. This is why younger adults pay the highest premiums. You cannot change your age so what can you do? You can stay on your parent’s policy if you live […]

New Mexico’s insurance laws make it difficult to drive without insurance. New Mexico is the fourth largest state for uninsured motorists with an estimated 21.8% of drivers driving uninsured, based on the latest study from the Insurance Information Institute. According to the Insurance Information Institute, this means that drivers who are involved in an accident with an uninsured […]

This may sound like something you might say about your bank or council, but we are referring to a feature that most modern homes have these days, and which is often ignored until it stops working. This is when you realize that you cannot wash your clothes properly. This is a very unpleasant proposition considering most people […]

Homeowners insurance typically covers roof leaks caused by perils covered under their policy, such as windstorm-induced cracking in the ceiling that allows rainwater into your home. However, normal wear and tear may not be covered – check with your agent. Damage caused by a covered peril Homeowners insurance typically covers roof damage caused by covered […]

Everybody has a car. It is their main form of transportation. Without automobiles, we would spend a lot of time walking or biking to our destinations. It is possible to be late for work or miss our children’s soccer games. American life is dependent on cars for daily functions. We should make every effort to ensure that they […]

According to the New Jersey Department of Transportation‘s latest report, there were 276,861 crashes in the state in a single year. Distracted driving was the leading cause of crashes. If you caused an accident by texting or not paying attention behind your wheel, you could face reckless driving charges. High-risk drivers are those who have had one or more […]

Many large projects require contractors to carry certain forms of insurance policies as conditions of working together with project owners, making compliance an imperative in order to secure business opportunities. Contractors can obtain these policies through either purchasing individual coverage individually, or bundling multiple policies into an affordable business owners policy. Below are six forms […]

There are various auto policies available to cover the expenses resulting from hit-and-run accidents, including uninsured motorist coverage for property damage (UM PD), personal injury protection or medical payments coverage and collision. Medical payments and PIP coverage may not be available in all states and a deductible may apply; UM/UIM and collision coverage is often […]

Dogs in cars are the most common concern. The flip side of the coin can also be dangerous. Hypothermia can occur in dogs when their body temperature falls below the normal level. This can lead to death in some cases. Pet owners should consider keeping their four-legged loved ones warm whenever possible. While this may seem less important during warmer […]