After months of planning finally everything is set for the big day. Everything down to the smallest detail has been looked over dozens of times and you and your future spouse are certain everything is ready to go. The ceremony and reception are set, but have you thought about issues that need to be dealt with for your lives together that will begin upon return from your honeymoon? One major area that is often overlooked is insurance.As a couple,...more
Vans can be wonderful vehicles. They can hold a lot of people and a lot of cargo from produce to material goods. Vans are great for a number of things. However vans can break down. For this reason you might need van insurance.Vans come in many shapes and sizes, from mini vans to moving vans.Mini vans are basically miniature versions of vans. Not that they are little, they are still larger than sedans and coupes, however they are not quite as...more
Car insurance is mandatory in nearly all states. There's no way you can drive legally without carrying insurance coverage on your vehicle. But if it's mandatory it doesn't mean that you have to spend a lot of money on insuring your car. And here are some sure-fire ways to reduce your insurance costs:Get a different carThe costs of insuring a particular vehicle greatly depend on the type of vehicle itself. Of course you'll have high insurance premiums if you have a luxury sports car or a convertible that is easily stolen. Get a car that is cheaper to insure if you want to save money.Consider the value of the carIf you're driving an old car that has little or no market value on it, or are looking to buy a used vehicle, then you should consider getting an adequate insurance policy. First of all, it is recommended to drop collision and comprehensive coverage, since they are based on the market value of your car and will pay out a small sum in case of an accident if your car is too old. But you will still have to pay additional money for this type of coverage. Increase the deductibleDeductibles represent the excess amount of money that you have to pay upfront before your insurance...more
Q: Should I carry insurance with my car?A: Almost all states make it mandatory for the car owner to carry insurance with his vehicle as a proof of financial liability in case there's damage or injury delivered to third parties while being on the road. Not having sufficient insurance coverage (lower than the state minimum) is illegal and may result...more
When buying things, no matter whether its a car or a new TV, you want to get the best quality for the lowest price. And when it comes to insuring your vehicle the rule remains the same. And it's especially important with the recession thinning our wallets and making us count every dollar we spend on everything. When it gets to cutting costs most...more
Now is the time to look a little more closely at an option overseen by the California Department of Insurance.First, what is the problem with the range of insurance policies on offer from the insurance industry? Why is it necessary for the Department of Insurance to intervene in the market? The answer is simple. California has been hit hard by the recession. Gone are the days when people were proud to live in the "Golden State". The problem is seen most obviously in the repeated failures of the state to deal with its massive deficit. Now translate this into the millions of people living in the state who cannot find work paying enough money to live on. Their poverty means it is impossible to pay for insurance and eat. Not surprisingly, millions of drivers are on the roads without insurance. In 2008, the Department of Insurance estimated about 18% of Californian drivers were uninsured. Since then, the unemployment rate has doubled.Why is this a problem? Well, although many drivers buy uninsured or underinsured cover, you have to be able to identify the other driver in the accident. If you cannot, say because it's a hit-and-run, you cannot show the other driver was uninsured and so...more
We have all been there before, acknowledging it is time to get a new insurance company, or maybe we must insure our new car or home. In the days prior to the internet, we had the overwhelming task of attaining insurance quotes by getting in touch...more
You will require a building and contents insurance policy if you wish to cover any damage that might occur to your house and its contents. This type of policy will also cover losses by theft etc. These policies are available separately however it is...more
Hurricanes are a natural disaster you may have to live with, but when your property is damaged or your business shut down by a man-made disaster, you may have legal recourse. If your property has been damaged or your business has lost profits...more
If you look around you will see that there are many people around you living without proper insurance. Although it may not be obvious there are people all around that need insurance but haven't the funds for it. There are many people around that have...more
A business needs to protect itself against employee accidents. One mishap could haunt businesses without insurance for years. If a claim is serious enough, without insurance, long-term consequences could cause the business to ultimately fail. ...more
Health insurance has taken a big advantage on people life. The health insurance in California has introduced many effective plans for people. These health plans is a way of securing your life and your family lives. These health plans are also...more