Insurance 101 – Undermining America for the Good of Americans

Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, youíve noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money do the executives make? Who pays for it all? Grab a mirror. ìMagic mirror on the wall, whoís the biggest sucker of them all? Whatís that you said? The Masses!î

Insurance is yet another unquestioned social reflex. You just buy it. You must. The banker insists you have to purchase insurance or you donít get the loan. Your government orders you to buy auto insurance at any cost. Hence, it must be really good for you. Hell, why not stock up on some of the non-mandated insurances as well? You canít have too much of a good thing. Can you?

Somewhere in the dark, murky corners of our minds we hide our thoughts. Like The Emperorís New Clothes, no one screams out, ìBut he has nothing on!î or ìHey, this is just bullshit!î You are not alone in the darkness. We all think it. So you are no longer scared to speak, here are some of those secret thoughts voiced out loud for the first time:

1) If I speak out against insurance, I will be jinxed. My home will surely burn to the ground and I will look like a moron.

2) If I speak out against insurance, some pecker-head who heard me will have an accident and sue me because folks are not responsible for their own choices.

3) Insurance is betting against myself. Why would I bet against me?

4) If insurance companies must charge such high premiums because theyíre losing so much in payouts, how do they afford all those big buildings?

5) What do insurance companies sell? Air? Promises they intend to deny via small print? Contracts? Wouldnít I rather buy an IHOP franchise with that money?

6) If government represents the people, why do they make me, a people, a criminal when I cannot afford auto insurance to get to work and feed my family?

7) How much in dollars and perks do insurance lobbyists put into the pockets of politicians?

8) Do I really need trip-cancellation insurance? Why would I buy a dream trip, and then bet on my canceling it at the last moment?

9) If I put all the money I spend on insurance into the bank or toward building success, how much money would I have for coping with my problems on my own terms?

10) If I buy the extended warranty, will I remember I have it or be able to find it when my widget explodes?

11) Shouldnít companies make quality widgets that last three years in the first place?

12) And finally, did Jennifer Lopez really insure herself for hundreds of millions of dollars? What? She is already rich. The agent who sold this policy is phenomenal.

Yes, we all know the system is way out of hand! The blame lies with insurance companies, greedy bankers, spineless politicians and with the Masses unquestioningly supporting these absurdities. Every frivolous lawsuit provides government an excuse for mandating people be protected from themselves via costly insurances and removal of individual freedoms.

Before long, we will be required to carry Coffee-Burn riders on auto insurance and Cell- PhoneñEarring-Tear addendums on HMOs. These days Sleeping Beauty would have sued the castle owner (a.k.a. Dad) for that prick on the finger, lost wages from the coma and for trauma from the scar. Uninsured sewing needles would be outlawed throughout the kingdom.

With a system this out of control, how do you protect yourself? You cut the fat. Quit betting against yourself. Think about all those different types of insurance. Stop buying out of reflex and decide for yourself what you can kick to the curb. Consider the variety out there and what you truly must have.

Life Insurance is for betting you will die such a loser that you canít pay for your own funeral or leave your kids any inheritance. Extra Car InsuranceñHow much you betting that you will crash? Not to mention, homeownerís, mortgage, trip cancellation, emergency evacuation, unemployment, boat, credit card, business interruption, earthquake, disability, dental, smoker, expatriate, backpack traveler, winter sports, flood, warranty and health insurance. The list goes on.

Here is a new monument to the ludicrous: Terrorist Insurance. Itís even pushed at Art Gallery Ownerís in isolated communities of the Northern Great Plains. And, why not? No doubt Osama is crouching in an Afghan cave right now, plotting to rid the world of those pesky Remmington Cowboy bronzes.

Insurance agents prey upon these new fears like snakes on wounded mice. Apparently, companies want to terrorize you into buying coverage. Another possibility is a rebel SCUD aimed for Mount Rushmore may slam into a Canada Goose and go askew. It sucks when this happens! No doubt your goat ranch in Chug Water, Wyoming is in eminent danger from this likely chain of events. Perhaps, you should add a specific ëUnpasteurized-Cheese Addendumí to your Terrorist Policy. Call your agent today and ask them. See if they will sell you one.

The odds of you dying of a mosquito bite are better than the odds you will die at the hands of a terrorist. Well, crap! The government better permit companies to require we all carry Mosquito Insurance. Maybe you can get a DEET discount! Better still; why not turn over all our bothersome responsibility, like freedom and privacy, to the Feds. Then good olí Uncle Sam can protect citizens from the winged menaces that haunt our very souls.

Congress could raise taxes to fund Bug Inspectors. Their job would be to comb through your private life, home and property looking for freestanding water. They would not look for anything else (roll eyes here). Still cancer and glaucoma patients might want to keep the baggies away from the birdbath.

Speaking of cancer, the Air Force could spray us all from above with a perfectly ìsafeî mixture of insecticides called Agent Tan. Coincidently, that day your governor vacations far away. Is there anybody in his or her right mind who would elect an insurance salesman to public office? Of course, both politicians and insurers are selling you hot air, so perhaps it is a match made in HÖ

A very few insurances are worth buying, such as liability insurance for cars and real estate. Once you have something to lose, itís a sure bet some lazy troll with an entitlement-mentality will try to sue you. In this case, you want the giants on your side. Insurance companies provide lawyers to run evil little trolls back under their bridges.

Insurance prices in America are out of control. The wide range of insurance the bureaucracy would have us believe we cannot live without is genuinely insulting. Buying all the coverage companies would have you believe you need wastes thousands of your dollars each year. Look over policies and eliminate what you can. Insurance is just legalized gambling. If you are betting against yourself, how can you take a gamble on yourself? Pursue your dreams instead!

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.

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.

rv insurance

Buying Montana RV Insurance

Buying an RV is one of the most fun and adventurous purchase you can make in terms of a vehicle. It allows you to get on the open road as quick as possible, and take all the essentials with you to make sure you are not only living life to the fullest but giving you and your family the enjoyment of a lifetime. Although RVs are extremely fun, they can also be dangerous if you do not know how to properly operate them. Fortunately, there is RV insurance that allows you to make sure you are covered if bad situations ever present themselves. RVs come in all shapes and sizes and there is no one-size-fits-all approach to affordable motorhome insurance and camper insurance. You need to be sure to shop around, be smart, and find the perfect quote and plan for your new motorhome.

Depending on the kind of RV insurance you get, there are different policies in place in terms of coverage. You can choose between total loss replacement coverage, campsite and vacation coverage, different kinds of expenses being covered during your trip, roadside assistance for your RV or motorhome, or even full-timer coverage if your RV happens to be the residence you reside in full time. There is a big different in purchasing camper insurance and motorhome insurance than that of car or boat insurance, for instance, and one that requires a lot of different research. The reason being is that RVs can also double as an actual home so they require a more intricate look when purchasing. Be sure not to leave yourself shorted or you may find RV insurance that does not cover much at all in the way of an actual mobile home.

The importance of your Montana RV insurance can not be misconstrued as it is one of the largest vehicles that a regular civilian can operate. It doubles as a home, meaning that you are spending anywhere from $20,000/$30,000 to upwards of $200,000/$250,000. This is the same price as an actual home and must be treated with the same amount of quality and attentiveness. Totaling an RV can not only be costly but can be detrimental if this is also the place you call your address. At the end of the day, all it takes is great research and purchasing the type of plan that covers you and everyone involved so that no one ever has to worry about anything like that again.

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

Liability Insurance

Online Insurance – Insights And Information

home-insuranceWhenever you’re thinking about a certain insurance, there’s one single thing that you have to do – get the quote directly online. You might be wondering about it, but yes, it’s possible, as many insurance companies have diversified their services and this is something that many of them have included in their portfolio.

This being said, let’s take one situation when you have a car and you need to look for a new insurance for it. You always have the possibility to go to an insurance broker, but looking for it online might give you some interesting results.

Let’s see some interesting things about online insurances – costs, the quotes and when you need them.


The Need

First of all, you need to have an insurance for your car – which is mandatory, for your house and for your business.  Many insurance quotes will be based on what your car is worth.  You can find what your car is worth on sites like KBB.  Those quotes may also depend on the year, make and model of the vehicle.  We have found that used cars billings mt are the lowest in the US to insure.  Car lots provide free information on insurance quotes and sometime pay your first year. The rest of the insurance types are optional, but it’s good to have them, just in case something bad happens. However, when you buy a new car or a new house, the law requires you to have an insurance made in your name, as you’re the new owner for that item.


The Costs

Depending on the type of insurance that you want, the costs will be different. However, it’s not just about the insurance company that offers it, but it’s also about the broker – if you choose to get one online, it will be cheaper, while at the broker, the price will be a little higher, as they have a commission for this type of service.


Getting the Quote

Online Insurance Exam Flash CardsNow, here comes the most interesting part – you don’t have to go to the broker to get the quotes for the insurance – you can do it directly online. It’s an easy process and you don’t have to be a computer whiz to see how much money you have to pay for the insurance you need.


First Step

First of all, you have to identify a website that offers online insurance quotes. All you have to do is look for these words and the search engine will definitely give you plenty of results to choose from. It’s good to chose among the top results, as those are the ones who are trusted by the clients and the sites are also relevant for your search.


Second Step

Once you’ve identified a website, you have the possibility to choose the type of insurance that you want – car insurance, house insurance, business insurance or even life insurance. Some web sites also allow you to make a combination of these, as they might offer you a discount if you choose more than one.


The Data

Now that you’ve chosen the type of insurance that you want, the web site will ask you some relevant information. For example, for a car, they will ask you to use the papers of the car, where you’ll find info about the type of the car, when it was made, when it was registered and so on, but also information about the owner (if you’re the owner, you’ll need the driving license to get information about when you’ve taken the exam for driving and so on).

If you’re looking to get an insurance for a house, the procedure might be similar – the web site will ask you information about the house – when it was built, what is the value and so on.


Online Auto Insurance QuotesThe Quote

Once you’ve done with filling all those details, the website will give you different online insurance quotes, from different insurance companies. This simulation it’s not contractual, so you don’t have to go further. The quotes are shown to you just to know what the price would be if you decide to go with any of the insurance companies – different people have different preferences, so you can choose anything you want.

However, if you decide to go further, you will have to choose one of them and select “next” or “go further” or “finish the order” and this formula can vary from site to site. They will send you the insurance at your chosen address and you have the possibility to pay online or when you receive the papers.