Category Archives: Finance Guide

6,894 crashes were recorded in 2017. Ada County, Idaho drivers should ensure they have a solid car insurance policy before driving. It can be difficult to find the right policy for you. However, knowing more about Idaho car insurance can help you make informed decisions. For a minimum coverage policy, the annual average premium is $337 and for full […]

How can a limousine business lower their annual insurance costs? It is important to look at your company as an insurance underwriter would. This will help you understand the strengths and areas for improvement. Safety, maintenance and training are the main areas to focus on. It shows a high level of responsibility and diligence to ensure […]

Are you ever frustrated by the fact that you are paying the most for your services? If any of these profiles match yours, then congratulations! 1. The Young and the Restless Youth! Your future is yours, and you have infinite potential. You also have the potential to text and drive, get distracted easily, drive under the influence, and make […]

Teens and young adults can have a difficult time getting car insurance. Teenage drivers are considered high-risk for many reasons. They can expect to pay more than adults for insurance. Most teens will choose to add to their parents’ insurance policy. Although the savings can be significant, it also increases the risk for the parents and their insurance. There […]

An emergency department must treat all patients presenting with life-threatening emergencies or in active labor regardless of their ability to pay, according to EMTALA regulations. Hospitals found violating EMTALA can face fines in excess of $70,000 as well as lose Medicare/Medicaid funding for repeated violations. As an individual in the United States, each person has […]

Own occupation disability policies define being disabled as being unable to perform the material and substantial duties associated with one’s regular occupation, regardless of any transitional provisions within a policy. This could either be defined strictly as own occupation disability or transitionally as own occupation disability. Skilled workers requiring physical requirements typically opt for own-occ […]

Comprehensive or “other than collision” coverage assists in covering damage caused by events outside of a collision, such as flooding and tornadoes or falling objects like tree limbs. It provides relief against such costs. Collision coverage provides more comprehensive protection. However, theft and vandalism coverage costs more. Damage from Natural Disasters With recent extreme weather […]

Policy premiums are charged by insurers as the cost of providing coverage. Car insurance premiums can be paid monthly, biannually or annually and must be made in order for a policy to remain active. Insurance premiums differ between providers based on various criteria, including your driving record, ZIP code, age and credit score as well […]

Death is an inevitable part of life, and while it’s a topic that many of us don’t like to think about, planning for the future is essential. One way to secure your family’s financial stability after you’re gone is by taking out a life insurance policy. But have you ever wondered if the death benefits […]

How does gap car insurance affect your coverage? Gap insurance is also known as “totaled” insurance. It covers your vehicle’s loan amount and actual cash value. Because it depreciates once the vehicle has been driven off the dealer’s property, this type of insurance is required almost every time a new vehicle is purchased. This is also required for […]