Do You Need Identity Theft Insurance? And What Is It Anyway?

With the serious nature of identity theft, many people are turning to identity theft insurance as a method of protecting themselves from the ramifications resulting from this crime. But what exactly is identity theft insurance? Do I really need it and how much will it cost me?

Identity theft insurance coverage varies in coverage, deductible and costs, just like many other forms of insurance. In most cases identity theft insurance will cover lost wages due to time taken off work to correct or repair damages due to identity theft. However, this coverage often carries a limit, in the approximate amount of $2,000.00. The Privacy Rights Clearinghouse estimates that victims spend on the average the equivalent of 22 work days trying to correct the damage from identity theft.

Identity theft insurance usually also provided benefits coverage for: attorney fees (which may or may not be necessary); notarization of documents, mailing, postage, supplies, copy costs, and phone bill charges which you may incur in an effort to correct the damage done to your credit and financial reputation.

Critics of identity theft insurance claim that it is ìnot worth the money,î (Consumer Reports magazine, as reported on MSNBC.com) or that it does not provide enough benefits. The concerns include: identity theft insurance does not provide reimbursement for money that is stolen or for identity theft expenses that occurred because of who the ìthiefî was. Most commonly a family member is the culprit in the case of identity theft and in that instance most insurance does not pay benefits. A word of caution by The National Association of Insurance Commissioners is that insurance ìcannot protect you from becoming a victim of identity theft and does not cover direct monetary losses incurred as a result of identity theft.î Although, an unfair criticism, some conclude that the purchase of identity theft insurance may create a false sense of security, thus consumers may not be as careful with their credit and financial information.

The cost of identity theft insurance cost varies on both the coverage and how you obtain your insurance. Identity theft insurance can range from free to approximately $200.00 a year depending on how you have purchased it. There are three main ways to obtain identity theft insurance:

– As a provision in your homeowners or rental property insurance
– As a service of your credit card company, bank or lender
– By purchasing it as an individualóìstand aloneî policy

The first step in obtaining identity theft insurance is to contact your banks, credit cards, lenders and insurance providers. Determine what coverage you have, how much it will costs to add additional coverage or to add identity theft to an existing policy and get details of the existing provision if it exist. You may need to purchase it as a ìriderí or extra to your existing policy much like purchasing flood or earthquake insurance ñ but not as expensive.

In some cases credit lender; such as the credit card company, mortgage or other loan provider, provide identity theft insurance. This coverage may be free or it may require a yearly service fee through the lender. For example, American Express provides some form of identity theft insurance to its card holders free of charge; MasterCard offers it through the specific banking partners and VISA may do a combination of both options. One word of caution, make sure that the identity theft insurance covers all your existing credit, not just the one card associated with the coverage. If it only covers one card, that what happens to the remainder of your credit?

One other option is to purchase your own ìstand aloneî policy through most of the major insurance providers such as Nationwide, State Farm, and/or Farmers Group. If you are not using a ìmajorî player in the insurance field be sure that the company you are purchasing from is reputable. Sometimes these are the most dangers purchases of all as they may be an effort to gain your credit information for the sole purpose of identity theft. If your insurance provider bills this coverage monthly, be sure to multiply the monthly cost by 12 to determine the yearly costs. Most importantly make sure to keep your coverage current.

Another consideration when utilizing identity theft insurance is the level of deductible. Generally the range from $100 to $250, but some may be as high as $1,000. The Federal Trade Commission estimates that the average victim spends less than $1,500 to recover from identity theft so it important to do the math and determine if your insurance premium plus deductible is a good value as well as provides the right level of protection for you and your family.

Nothing can protect you completely. It is important to follow all the basic rules for protecting your credit, identity, and financial information like: keeping your personal and credit information in a safe place, not releasing the information to others and shredding all documents. But it is also good to know that you can also have for free or purchase additional assistance in the form of coverage and monetary support during one of the most difficult financial times in your life.

Finding out about damages to your identity and credit is just the beginning. After that begins the time consuming and often frustrating process of repairing the damage and correcting the mistakes. Identity theft insurance may be your choice to help you through this expensive and frustrating task. Make sure you know what options and coverage are available to you.

Auto Repair Insurance: Extended Warranties ó Myths And Facts

How much insurance does one need? You have the big four: home, health, life, and car insurance. Then thereís a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.

Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?

There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. Whatís the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. Theyíre a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.

There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).

What exactly is covered in an extended service plan? As mentioned above, whatís covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover whatís listed in the contract. This is called a ìStatedî or ìNamedî contract. This means that if itís not stated, itís not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.

Never before has the adage, ìThe devilís in the details,î been so applicable.

Manufacturer Extended Plans:
Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warrantyówith similar exclusions stated above. The billing is direct, meaning you donít have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so thereís less risk of bankruptcy.

The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.

Dealership/Third Party Plans:
Extended warranties from a dealership are actually from a third party insurer. These providers are ìgenerallyî reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer ìmayî step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.

Some dealers set up their own ìinternal extended warranty,î which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as ìmanufacturerî warranties. Theyíre not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.

Third Party Plans:
These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless thereís a working relationship with a repair shop as stated above).

There are hundreds of extended service contract companies. Some have good reputations, some donít. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the ìofficialî appearance of the postcard or envelope, itís not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.

Given the wide-variety of third party plans there are numerous red flags.

1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, thereís no out-of-pocket expense for you. However, the warranty company canít dictate a service centerís policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.

It is the service centerís responsibility to contact the extended warranty company to let them know whatís wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)

Service centers and extended warranty companies frequently battle over the ìfairî price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.

2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.

3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.

4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If itís not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!

Common Myths:

1) “Extended warranties cover maintenance services and brake work.”

No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.

2) “They told me itís bumper-to-bumper, so it covers everything right?”

Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off itís not covered.

3) “I donít have to pay anything, right?”

Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service centerís policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of todayís vehicles, diagnostic time is at a premium. The customer pays the difference.

4) “If I have an expensive problem, I can just purchase an extended service contract.”

Itís unethical, but itís an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditionsójust like life insurance.

5) “My contract lasts up to 100,000 miles.”

Only if the time limit doesnít run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.

6) “If my car breaks, it gets fixed like new.”
Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.

Items commonly not covered by extended warranties:
ï Any component with a pre-existing condition
ï Any component related to a Technical Service Bulletin (TSB)
ï Many components that has been updated by the manufacturer
ï Extra components necessary ìdue to manufacturer updatesî to complete the repair
ï Trim pieces: molding, cup holders, dashboard, console, body parts, glass
ï Many accessories: radios, DVD players, TVs
ï Many expensive electronics: climate control units, navigation assemblies

Service contract positives:
Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.

What should you do?
Youíll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?

Letís say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even youíll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.

Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in ìcoveredî repairs. Do you want to take that bet?

What could happen?
You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now youíre out $5000.

Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.

Another consideration thatís rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of Godósuch as flood damage. None of this is covered. The gamble only covers failed components.

If the vehicle youíre driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.

Thereís no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? Thatís a hefty bet on a ìpossibility.î

Terence OíHara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:

Öextended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gainÖthe gain is all the other things of value that a consumer could buy with the money that was spent on a warranty

Whatís the best plan?
Money in your bank account!

Pet Insurance

Pet Insurance – Check Out 10 Key Questions Before You Buy

If your bones and joints are strong and flexible, they move smoothly. And that means life can be fun, and appreciated fully. But for one in seven people, movement is restricted by a musculoskeletal disorder – arthritis, back pain, fracture, osteoporosis, or sports trauma. Faced with such pain and discomfort, you may be pleased to pay £3,500 for orthopaedic surgery or hydrotherapy to get those painful joints flexible again. But would you be so willing to spend the same money on your pet Labrador?

Veterinary care has developed fast over the last 10 years and as pets get older they are increasingly likely to suffer illness that can be lengthy and expensive to treat. Take diabetes for example. It’s relatively common in dogs over the age of 6 and whilst it can be successfully treated, the treatment is ongoing and expensive – one vet estimated that treatment could cost around £2,500 per year. Eczema is yet another condition which can require a long period of treatment.

But as with humans, pets can require emergency treatment at any time. In fact one in three pets make an unplanned visit to the vet every year (source Mintel). Labradors and Golden Retrievers can have conditions such progressive retinal atrophy, Setters can get canine leucocyte adhesion deficiency (can someone tell me what that is?!), Alsations are prone to hip dysplasia and Boxers and Spaniels are susceptible to dodgy hearts. And then there are always those accidents and scrapes in which our pets are so likely to become involved. Your puss may have nine lives but you might have nine vets’ bills! With a series of x-rays costing £400 and an MRI scan putting you back £1,500 the case for pet insurance becomes compelling.

Against this background, pet insurance is becoming the fastest growing form of insurance in the UK. Halifax, Petplan, PDSA, Petwise, Sainsburys and Marks and Spencers are all names in the market. Indeed, competition for your business is so fierce there are over 60 mainline insurers offering over 220 different policies. This flood of choice makes the job of choosing a policy somewhat complicated.

So lets try and keep things simple. Pet Plans fall into three basic groups. The first limits the amount paid per condition; the second limits the total paid annually; and the third and usually cheaper, but only suitable for one-off emergencies, limits the claim to per condition per 12 months. Not too good for diabetes!

So faced with all this choice what should you look out for? Here’s 10 key questions to ask:

• Are claims covered annually or on a “per condition” basis?

• If the cover is “per condition”, what is the time limit?

• What is the excess per claim?

• Find out if your breed of pet is susceptible to any hereditary condition and whether the plan will cover that. For dogs you’ll find information about hereditary conditions at www.the-kennel-club.org.uk and for cats try www.petplanet.co.uk/petplanet/breeds/cats-breeds

• What is the £ limit on vets’ fees?

• Does the insurance plan cover the cost of advertising and rewards if you pet is lost or stolen?

• If you are in hospital does the insurance cover kennel or cattery fees? Some plans will payout after the owner has been in hospital for a minimum number of days.

• Is your dog covered for third party liability? Remember, if your dog causes damage or injury you personally, could be liable for damages.

• If you pet has to have urgent surgery shortly before you are due to go on holiday, will the plan pay your holiday cancellation costs?

• Does the plan make a payout if your pet dies?

Where can you find this information? Surprisingly, vets are not always that helpful. They normally carry details of one or two plans but are rarely up to date with the pet insurance market generally. Not surprising really with all the developments in veterinary treatments to keep abreast of!

No, the Internet is the best source of information. Search for pet, dog or cat insurance and you’ll find all the information you need. It might take you an hour or so to search out the answers to the key questions but it will be worth it in the end.

Liability Insurance

Liability Insurance In Magic Shows Is An Asset

The good old United States of America, whether you admit it or not, is a severely litigation-obsessed society. Basically, anyone in this country stands a chance to be sued for any or whatsoever act that is proven to be his or her fault. Arm chair sociologists call it simply as the deep pocket syndrome.

When one is doing public shows, especially the ones that deal with magic, the very best thing anyone could do to stay in the safe side is to buy an insurance for your act. It is not an option. It is a need for goodness sake.

One of the good insurance that some entertainers have had a one million dollar liability. It came from an agent from the Farmers Insurance Group.

Having an insurance is like having a fire extinguisher. It is so much better to have one than not have it at all. You feel safe, protected and covered. One million dollar tops and is quite enough to give you a sleep-heavy night and a wake-up-fresh morning.

It has been said that the Society of American Magicians has the kind of insurance of this type. It is very important that you get an insurance. If you have one or if you are planning to purchase one, make sure that the insurance policy you have a product clause.

This works well just in case you use balloons for your act, or birds for that matter. If one of the audience members happen to take it home with them and they accidentally choke on the balloon or get bitten by the bird, you have nothing to worry about because you are definitely covered.

For your information also, if you have performer’s insurance and you happen to perform a magic act while you were not in your costume, most likely you are not covered.

If you have liability insurance and while you are performing, a child insists that he or she wants to touch or to have one of your props, make sure that you make it clear and known to everyone concerned – as they may be potential witnesses – that you are giving the prop or props to the parent. Hand it over to the parent. Doing so transfers the liability on the hands of the child’s parents.

There are also magic tricks performed by clowns. Currently, it is highly unadvisable – fortunately or unfortunately – for clowns or any performer to hug children or to get close enough unless it is to shake hands.

These days you really cannot be too careful. And being too careful is still the best way to go.

It is best that prior to doing a magic act or any public show for that matter, that you – as a performer – tell all the adults and children in the audience about some specific props that you might be distributing to them during the course of the show. If for example you will be using balloons, announce beforehand that children’s mouths and balloons do not mix.
Doing so keeps you from any liability and your audience safe from choking unnecessarily.

One performer has an existing one million dollar liability, it also includes five hundred thousand dollars worth of product liability. The insurance also covers any event wherein the performer and his or her employee is entertaining. However, it does not cover any contractors that are independent of the performer which the performer has hired. If the performer needed to hire someone outside, the performer always requested for an ‘additional insured’ from the insurance company.

Make sure though that once you get an insurance, that insurance company should be able and willing to give you a rider that will be able to cover you if in case you are working or need to work off premises and on a particular client’s house, business office, facility, or any other area that is different from where you regularly and usually work in. It is a standard item and there should not be that much fuss over it. Any good insurance company should be able to do it.

All you need to do is be persistent. It is an item that is almost always considered a standard on many insurance policies.  These same type of policies are in line with funding requirements foremost small business types.  For example, you can see more about how beauty salons require to right insurance, especially when applying for business loans for women.

peace-of-mind-car-insurance

Car Insurance Quote – Things To Know To Get Very Cheap Car Insurance And Quotes

Auto insurance premiums vary widely from state to state and even within states. The same person may find swings of as much as $700 on the cost of an annual policy. Insurance agents are not legally bound to tell a perspective customer about discounts which may apply to his/her insurance. There are, however, things the consumer can do which may lower the price paid for auto insurance.

Higher deductibles

The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.

Investigate auto records

Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.

Getting many quotes and comparing them is the best way to check pricing, coverage and save money.

And, don’t forget, the best way to lower your car insurance premium is to drive safely.

Please see our recommended sources for insurance quotes from multiple providers. We have done the research so you don’t have to.

best-car-insurance

How To Buy Mexican Auto Insurance Using This Little Known Technique

Learn Why Your Current Auto And Medical Plans Are Not Enough

Mexico consistently ranks amongst the top ten destinations for travelers. Its tropical resorts and mountain retreats offer a range of activities from shopping to adventure sports. It also creates the right circumstances for accidents and injuries.

According to the Department of State, the lead U.S. foreign affairs agency, many American visitors assume the standards of security and safety are the same as they are in the U.S. These presumptions have lead not only to serous injuries, but even deaths. Compounded by differences in Mexican law, accidents and medical emergencies can become a costly and bureaucratic nightmare. As a result, the Department of State urges citizens to take responsibility for their safety, and to also ensure that they have the auto and medical insurance needed.

Driving and Mexican Law

Mexico’s law is based on Napoleonic Code where guilt is assumed over innocence. As a result, all drivers must have a Mexican insurance policy from a company authorized to do business in Mexico to cover damages or injuries.

“U.S liability insurance is simply not valid in Mexico,” says Linden Gray, Director of the http://MexicanInsuranceStore.com. “That even includes most of the major U.S. collision and comprehensive coverage plans.”

In addition to the required Mexican auto insurance, you should also consider a plan that covers legal aid and bond fees.

“In Mexico, it is considered a felony to have a traffic accident, says Gray. “While the police are investigating who is at fault, your vehicle may be impounded and you will be detained by Mexican authorities.”

The Department of State further warns U.S. travelers that they can be prevented from leaving the country even if “life-saving medical care” is required.

Emergency Medical Services

Mexico has a free national health care system; however, visitors are not entitled to this service. Tourists can only receive medical treatment and medications from private clinics and hospitals. Gray’s company strongly urges customers to check their medical insurance company to confirm whether their policy applies in Mexico and whether it will cover emergency expenses such as a medical evacuation.

Surprisingly, most Mexican auto insurance plans will only help you find a facility, and may only cover up to four passengers. Many medical assistance plans only cover portions of the cost depending on location, activity or cause of injury. For those with the Social Security Medicare Program, costs for hospital or medical care outside the United States are not covered at all.

“It’s important to fill the gaps and exclusions that your auto and medical insurances have,” says Gray. “In addition to Mexican auto insurance, travelers should add an emergency medical assistance option because most health plans exclude medical evacuation in foreign countries.”

Gray recommends a plan like Assist America which is used by the American Medical Association and the American Red Cross. This type of plan provides services such as emergency medical evacuations, critical care monitoring, and guaranteed hospital admission.

Selecting A Plan

The easiest and quickest way to find Mexican auto insurance is online. When selecting a plan, look for one that offers the following:

• Third Party (Civil) Liability
• Medical Expenses for Driver and Occupants
• Assist America Medical and Travel Assistance
• Physical Damage and Total Theft of Vehicle
• Legal Assistance and Bail Bond
• Roadside Assistance
• Partial Theft and Vandalism
• Guaranteed Hospital Admission

Make sure the plan covers you during your entire stay. Most plans have daily, six month, and annual policies.

In addition, take into consideration the type of activities you plan to enjoy and their locations. Look for medical emergency assistance plans with very few limitations or exclusions such as:

• Maximum Of Number of Passengers (Other Plans Only Cover Up To 4 Passengers)
• Limits less than$100,000 per passenger for Any Medical Assistance Service Including Expensive Air Or Land Evacuation.
• Rural Mexico Territory Exclusion. (Almost all emergency assistance wording says “We will do the best we can in rural Mexico”)
• Exclusions For Pre-Conditions (Except Late Pregnancy)
• Sport Or Adventure Activity Exclusions (Surfing, Cycling, Mountain Biking, Mountain Climbing, Snorkeling, Kayaking Or Diving In Mexico Are All OK with Assist America )
• Civil War Or Terrorism Exclusions

antique-car-insurance

Car Insurance For An Antique Car: Route To Get Antique Car Insurance

Besides their needs, certain people reinstate antiques car as a leisure Pursuit. These antiques car also require insurance cover on them. Your work is to find out the insurance company which provides Car Insurance for an Antique Car. There are a number of reasons such owners can provide to support their neglect for acquiring proper car insurance for an antique car, but to be so neglectful is borderline irresponsible. If one is going to invest a great deal of money in purchasing an Antique car, then a proper Car Insurance for an Antique Car policy will properly compliment the investment of the antique car.

Insurance Companies Providing Car Insurance for an Antique Car:

Not all insurance providers insure all types of cars. There are a multitude of different antique cars and the totality of antique cars includes exotic cars, military vehicles, motorcycles, tractors and trucks. As such, different antique car insurance policies will be needed to cover the various different makes and models of cars that are out there on the market. Keep in mind Car Insurance for an Antique Car policy take into consideration the equity value of the cars and vehicles.

A person looking for insurance for their vehicle has Car Insurance for an Antique Car from which to choose, and sometimes information can be conflicting and difficult to understand. Contractual language in most insurance policies is difficult to understand without an interpreter and even then, the meanings of some language may seem to be contradicted in other areas of the contract.

Self Governing Car Insurance for an Antique Car:

There are many self-determining assurance companies available to buy car insurance for an antique car. While the basic premise of obtaining Car Insurance for an Antique Car is the same for all car insurance companies, how they sell the policies, price the coverage and react to customer claims is what separates them. Car Insurance for an Antique Car must be licensed to sell insurance in the state in which they do business and not all will be available in every state. Depending on an area’s history of claims due to theft, weather-related losses and driving reputation a company may decide not to do business in a particular part of a state. Although there is some regulation concerning a company’s ability to only service certain areas. These companies lean to focus in antique car insurance and will not cover any other types of cars.

There are also many insurance companies presented to purchase car insurance for a classic car. These companies tend to specialize in Classic Car Insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of classic car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for a classic car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

Compare Cruise Insurance – You often get what you pay for!

When planning a travel vacation or cruise vacation, the last thing that one wants to think about is trouble or cancellation. Thus travel and cruise insurance is often left on the back burner. However, when the time comes to purchase your vacation insurance, be sure that you compare cruise insurance and travel insurance policies to ensure that you are getting what you expect. As always, it’s “buyer beware”!

That’s not to say that all insurance policies and companies are out to deceive you or hide the terms of insurance pay-outs. In fact, most are very reputable. The problem comes when trying to economize while buying insurance. You really do “get what you pay for” in most cases – especially when you compare insurance policies.

There are often so many variables when purchasing cruise insurance or travel insurance that we can become somewhat complacent with what we are purchasing. Again, “Buyer Beware!” Make sure you know what’s available and what’s included in your insurance policy package. As an example, insurance companies like Travel Guard International, America’s largest provider of travel insurance offers a wide range of benefits with their Comprehensive Coverage. Included in Travel Guard’s packages are the following benefits:

  • · Trip Cancellation – Providing reimbursement of 100% of trip cost if the trip is cancelled under the terms of the insurance policy.
  • · Trip interruption – Providing reimbursement of trip cost if the trip is interrupted as covered by the insurance policy such as evacuation due to hurricane.
  • · Trip Delay – Providing reimbursement for additional accommodations or travel expenses if the traveler is delayed for more than several hours.
  • · Lost, Stolen or Damaged Baggage and travel documents – Providing reimbursements if luggage is lost, damaged or stolen while the insured is traveling, or if travel documents are lost or stolen.
  • · Baggage Delay – Providing reimbursement for the purchase of essential items if your bags are delayed more than 24 hours.
  • · Medical Expenses – Providing reimbursement for necessary medical expenses up to one year after the illness or injury providing the insured traveler sought medical treatment while on the trip.
  • · Emergency Medical Transportation – Covering the cost of evacuation and transportation to the nearest adequate medical facility.
  • · Travel Guard Assistance – A 24 hour hotline for emergency assistance, medical referrals, prescription replacement assistance, replacing travel documents and more.
  • · Livetravel – Travel Guard’s round the clock travel agent service for emergency or last minute travel changes such as rebooking flights, arranging hotels and ground transportation and tracking lost luggage.
  • · Concierge – 24 hour worldwide access to restaurant referrals/reservations, event tickets, tee times, floral services, ground transportation and more.

As well, in many cases, travelers purchasing Travel Guard insurance within 15 days of making their initial trip payment also receive at no additional cost:

  • · Pre-Existing Medical Condition Exclusion Waiver – protection if pre-existing medical conditions force cancellation or interruption of a cruise or trip.
  • · Default Protection – providing reimbursement of trip cost if the tour operator, cruise line, airline or other travel supplier declares bankruptcy more than seven days after the effective date of the policy.
  • · Change Your Mind – protection against cancellation fees when a trip is cancelled for any reason.

Please keep in mind that these benefits are subject to change, but at the time of this printing, are available. The above describes a comprehensive cruise or travel insurance policy. However, as they say, one size dose not fit all. You need to match your coverage requirements and budget restraints. Again, dealing with Travel Guard International, some of their popular products include:

  • · Cruise, Tour and Travel – Travel Guard’s most comprehensive travel insurance plan.
    · ProtectAssist – Solid travel insurance for the budget-conscious traveler – and Travel Guard’s most popular plan.
  • · Cruise Guard – Travel insurance designed to surpass the protection plans offered by the cruise line.
  • · Air Ticket Protection – Protects air ticket investment against change fees, adds other assistance services.
  • · Student Travel Guard – A portfolio of student travel insurance plans protecting students on virtually all types from Spring Break to Semester Abroad.

We have identified, through the use of Travel Guard International’s plans and policies a vast number of cruise insurance options. We have stated before, but at the risk of being too repetitive, I think that it is important to re-iterate. “You get what you pay for. Buyer beware!”

If you would like more information regarding
Travel Guard International or would like to get a quotation for cruise or travel insurance, check out our article “Travel Guard International Cruise Insurance”. For more informative articles, check out our Article Map. If you are looking to choose or book a cruise, our main Discount Cruises pages have plenty of merchant links with great cruise pricing.

You’ve researched for your special cruise. You’ve found a fantastic cruise deal on-line. You’ve booked that cruise on-line. You’ve protected your cruise vacation investment by booking your insurance on-line. Now all that’s left to do is to get excited!

car insurance

When Shopping For A New Car Make Sure To Shop For The Best Insurance Rates As Well

Most people spend more time shopping for their car than they do shopping for the best auto insurance rates. This is a mistake. As a smart consumer, you need to allot time for getting the best rate for your insurance. Your three goals are getting the best insurance rates, getting the best financing and getting the best price.

If you don’t shop around for the best rate your insurance premium can be more than your car payment. I’ve seen it happen and it’s not pretty. You are all happy and excited about your new car up until you find out how much the insurance is going to cost you. Then you struggle just to make the insurance payments. Or worse, you cut coverages to keep within your budget. For example, having the highest deductible, $1,000-$2,000.

It’s not hard to shop around for the best rate either. There are several comparison sites that will give you several quotes from multiple insurance companies to make sure you get the best rate. Use them. It only takes 10-15 minutes and it can save you from plenty of financial headaches. Just like the Geico commerical says, “15 minutes could save you 15% or more,” 15 minutes on a insurance comparison site will guarantee you get the best car insurance rates available.

When you do shop around, always be sure to have a copy of your current policy available for comparison. This will make getting the quote as painless as possible. That way you compare all the coverages and make sure you are getting the same discounts with the new company as the old one.

One thing that can surprise you is monthly payment fees so be on the lookout for these. Some companies charge you a monthly fee when you make monthly payments, maybe $3-$4 a month. That’s an extra $36-$48 a year you need to factor into your comparisons.

There’s nothing like thinking you’re getting a great deal only to find out it’s a good deal once all the dust is settled and you get your new policy. If you’re only going to save a few dollars a month after you switch to the new company maybe it’s best to stay put. Sometimes you will lose loyalty discounts with your current company that you won’t get with the new company. Or the customer service or claims service is great at the current company. These days that is worth more than a few dollars a month to me so keep these small things factored into the equation.

Shopping for car insurance is quick and easy and you may even save hundreds of dollars per year. All it takes is about 15 minutes. Make sure you put ‘shop for car insurance’ on your car wishlist when you go car shopping.

modular homes montana

The Best Mobile Home Insurance Options

The Best Mobile Home Insurance Options

Mobile Home Insurance is treated and handled in a different manner than insurance for homes that are built on site. This is because mobile homes are not built onto a foundation, but this should not separate your ability to get insurance for your home because of the way it was built. Your house is your home, it protects you and your family from all kinds of weather and gives you a place to sleep at night. Without your home, you could be left on the street to fend for yourself. This should be reason enough to convince you that you really need to have manufactured home insurance in case push comes to shove about your home.

What Risks Do Mobile Homes Face?

Mobile homes are at greater risk for many things rather than homes built on site. Sadly, theft is one thing manufactured home owners have to worry about more than their neighbors with a foundation. These types of home are also more vulnerable to the elements and can take greater damage since they are not built into something solid in the ground. The building materials are also more prone to fire risk. Because of all these reasons and more, you should have Mobile Home Insurance. These risks don’t make your home any worse to live in but it does add some risk factor. It is always better to be safe than sorry, especially when it comes to your home.

A helpful tip on adding value to your mobile home is to get a new roof on it.  Replace the original manufactured roof with a new roof from one the trusted roofer in your area.  In Montana, Six Sigma Contracting is one of the finest roofing contractors in Billings MT.  Give Rick Haas a call today to talk to him about getting a new roof on that mobile home, to help you avoid additional risks.

Do You Need Manufactured Home Insurance?

Mobile Home Insurance comes in a wide variety of different coverage bundles in case of accident. You might live in an area where fires are more common and storms are not, so you could get a bundle which fits your needs. If you live in a mobile home, the bottom line is that you need insurance. Sadly, you are at a greater risk than everyone else and no one can afford to lose everything and have no backup plan. Take your safety into your own hands and avoid being unprotected.

Manufactured Home Insurance

Have you purchased modular homes montana? Having insurance for your mobile home will allow you much needed peace of mind. You’ll be able to sleep at night knowing you and your family will be taken care of in case an emergency situation strikes. You won’t be left to fend for yourself because the insurance will ensure you have someone fighting on your side to get you back into a house, safe and sound.

Learn more about Manufactured Home Insurance in the video below:

Getinsuronline.com helps you learn more about the who, what when, where and why of online insurance.