Statistics are a wonderful thing when they tell you what you want to hear. So, its great to know some makes and models of car now go further on less gas. Its bad news to hear young men have the highest accident rates because that means they pay the highest premiums. Its good news to discover drivers in the age range of 55 through 74 have the lowest accident rates. Once drivers pass 75, their eyesight and reflexes are failing. Even though they may...more
Ask any auto insurance agent or broker about their business and they will tell you that there's nothing like the competition you face in this domain. Forget about the good old days when only a couple of agents could work with an entire town, giving everyone the type of insurance they need. Today there could be a hundred of insurance agents fiercely competing for clients even in a smaller town, not to say a big city. The economic recession has...more
Doesn't it feel sometimes that when it comes to auto insurance it's like playing the game no one tells you how to play it right and where the rules are written without your consent? Well, to ease the situation, here are some auto insurance rules most insurance companies won't tell you about.1. If your credit rating is good you will have better rates..Most of the insurance providers, whether big or small, use credit information to determine the rates you will be charged with. That's because numerous studies have shown that there's a direct link between a person's credit rating and the probability that the very same person would file an insurance claim. Those who have poor credit scores tend to file claims more often than drivers with good credit reports. And we know how insurance companies don't like insurance claims. Tip: If your credit report is not that good, don't haste with buying auto insurance. First, make sure you have settled all your debts and closed unused credit lines. After doing this wait for a month and your rates will be much lower than you would expect. 2. The model of your car affects your premiums. Insurance companies don't disclose the exact methods they use to...more
Insurance adjuster jobs is a task which people who is working in this task have responsible for managing the initial claim that has been charged when an auto collision take place, or a hurricane or damage in someone house. Insurance adjuster jobs has more responsibilities and experiences. If you prefer to be insurance adjuster jobs, you have to...more
If you are planning to move into an apartment community or already live in one, renters insurance is a definite must for you. Protecting your belongings in the event of a fire, burglary or natural disaster is the purpose of this type of policy. While it's true that your apartment community carries insurance of their own, your contents are not...more
If you business has grown from a small number of employees having specialist a skill set and understanding of your businesses position and fundamental to the running of the business. Whether this be financial, technical, sales & marketing these skills may not be transferrable to other individuals in a timely maner, and therefore leaves the business dependent on one or two key individuals to ensure correct operation, maintaining cash-flow and keeping a steady growth within the business.When assessing your business to see if you have any key individuals, it is important to think how long it would take the business to recover to normal operation if the particular key man was removed from your day-to-day operations? Are the profits of the business specifically linked to the key individual? Is there significant cash-flow to maintain the profits during the period of handover if the key person died or took a serious illness such as cancer? What would the cost of training a replacement be? These are all important questions you should be able to answer for your business to ensure the risk to the business has been managed.How key man insurance worksKey man insurance can be used to mitigate...more
If you are on workers comp and are thinking about filing for social security disability, there are definitely circumstances in which you should not apply for social security at a particular time. It all depends, of course, on the facts of your...more
If you are looking for business insurance there are a lot of things you need to consider, if you are unsure about anything then always consult a broker for advice.Business Insurance Hints and Tips By: Chris Roche About the Author ...more
Admittedly, finding the correct type of insurance for your business may not be the single most important decision you ever make, but it certainly is one of the most important decisions you'll be faced with as a business owner. Failure to have...more
As a business owner, the well-being of your employees is your responsibility, and because of this, you are legally obligated to have the correct type of insurance in place.Many people who start their own business are under the impression that you can...more
As a business owner you no doubt want to try and save money wherever possible, and as such, you may be tempted to try and get away without having adequate insurance in place. One thing to bear in mind however, it's illegal to operate a business in...more
Everything that gives your motorcycle the fun factor just coincidentally makes it dangerous. Combine the bike's immanent dangers with the general cluelessness of most motorists, add a dose of bad weather or a soupcon of distraction, and you have the...more