Category Archives: Finance Guide

Direct Car Insurance allows you to purchase your insurance directly from the company, rather than through independent agents or insurance brokers. Let’s take an example to illustrate. There are two options available to you if you have pain in your joints. Either you go to a general physician who will recommend medications that will ease your pain. You […]

Insurance contracts are an important part of the business world. They provide a way for parties to protect themselves from financial loss due to unforeseen circumstances. But what exactly are insurance contracts and how do they work? In this post, we’ll explore the basics of insurance contracts and how different types of policies can help […]

Slip and fall accidents involving employees and customers are one of the most important factors that have affected insurance costs for restaurant and retail establishments. Studies done by government agencies like the Centers for Disease Control (CDC) and The National Safety Council have shown this to be a well-known fact. As the baby boomers get older, the […]

Let’s be real. Do you feel excited about the idea of saving money? It does, and I can bet your bottom dollar it does. It’s hard to believe that anyone would not want to save money, particularly if it’s on discount automobile insurance. We are constantly bombarded by radio ads and infomercials promising the best auto insurance discounts. Are these offers […]

Insurance companies have always recommended that you monitor your credit score to save money on car insurance. The reason for this is that nearly 90% of insurance companies use “Risk scores” to decide who they will issue a policy, with more than 50% using these scores to determine their premiums. According to the insurance industry, there is […]

People who are considering entering into contractual relationships should remember to fully understand the terms of each contract. It is important for them to understand not only their position but also that of other parties in the contract relationship. They are advised that anything less than this would be to enter into a contract blindly, which can […]

You are not required to have liability coverage if your vehicle is being financed. If you are found to be at fault in an accident, liability insurance covers you for your medical expenses and property damage. Iowa’s minimum liability insurance is 20/40/15. Your liability insurance will cover you for $20,000 in bodily injuries and $40,000 for property […]

According to the Association of British Insurers, we can expect a staggering 150% increase in the number of full-time licensed car drivers aged 70 years and older over the next 50 year. This calculation is heavily influenced by the fact that “baby boomers”, or people who have reached retirement, are living longer. The forecasts also predict […]

Home emergency cover can protect you from the costs of unexpected home emergency repairs. It comes into play when a burst pipe leaves your house soaked, or your central heating breaks down on the coldest night of the year. What is actually Home Emergency Cover, after all? Home emergency cover is a type of insurance […]

Oxygen concentrators are a popular medical device used to treat respiratory ailments and other conditions, such as COPD and emphysema. But if you’re considering investing in an oxygen concentrator, one of the most important questions is – will insurance pay for it? The answer is that it depends on your individual insurance plan. In this […]