Insurance Plan Selection

House prices in 2011

Mary Bowden — Tue, 07 Feb 2012 14:35:02 +0000

Mortgage lender Halifax has published its House Price Index for 2011. The main points are that in the final quarter of 2011 prices were 0.1% below the figure for the previous quarter. Between November and December prices dropped by 0.9%

For the year as a whole house prices dropped by 1.3% which means that the average house was worth £160,063 at the end of 2011.

Halifax believe that if the UK can avoid recession house prices should be reasonably stable in 2012. However they point out that there is uncertainty regarding the prospects for the UK economy. Their housing economist Martin Ellis added “The extent to which households chose to reduce their debts will also affect growth. As

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Harsher Consequences Needed for Distracted Drivers

Mary Bowden — Mon, 16 Jan 2012 16:03:15 +0000

Distracted driving is something that is plaguing the United States. It seems as though technology, particularly the cell phone has made it harder for drivers to focus on the road in front of them.

According to statistics, one in 11 automobile accident deaths is due to a driver being distracted by a cell phone. Law makers and auto insurance companies have not had a lot of success with their efforts to stop distracted drivers from being on the road.

The problem with drivers today is that they think that they are invincible. They think that they can drive and talk on their cell phone at the same time and that nothing bad will happen to them. T

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A Lesson on Health Insurance and Reform

Alexander Nuttall — Sun, 15 Jan 2012 08:43:19 +0000

“Lift the lid on the argument over a government health program and you find this:

It is not an argument over whether the government should interest itself in health. There is a government health program now. The problem is how far should such a program, backed with government money and some government control, be allowed to go.”

Think this quote is recent? Think again, it comes from an article written in April 27, 1949, by James Harlow.

It is now 63 years later and America finds itself still facing the same dilemma with health care reform.

But how far did the federal government go when it comes to reform? Pre

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Eight Auto Insurance Discounts You May Be Missing

Alexander Nuttall — Wed, 11 Jan 2012 00:47:21 +0000

Eight Auto Insurance Discounts You May Be Missing Linda Rey You are probably looking for ways to cut a few dollars from your monthly budget, and the word of the day is discounts. If you enroll and qualify, you may find that you are able

Eight Auto Insurance Discounts You May Be Missing Linda Rey

You are probably looking for ways to cut a few dollars from your monthly budget, and the word of the day is discounts.

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Motorcycle Insurance

Mary Bowden — Mon, 09 Jan 2012 09:28:18 +0000

Currently, the United States has more than four million motorcycles registered to drive on public roads. Most major insurance carriers have responded to the needs of this substantial market by offering the same protections and benefits to riders as they do to drivers by providing motorcycle insurance policies. For bikers, the need for quality insurance protection is especially critical. According to the NHTSA, roughly 80 percent of motorcycle accidents result in death or injury, whereas with automobiles, the figure is only about 20 percent. The best way to combat these unsettling statistics is to ride safely, and that includes carrying adequate motorbike insurance protection.

By and large, motorcycle insurance looks nearly identical to coverage for a conventional vehicle.

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New Rules For Discovery In Florida

Mary Bowden — Sat, 31 Dec 2011 11:12:36 +0000

There hasn’t been much good news from Florida lately, particularly in the area of bad faith litigation. In a rare bright note, however, the Florida Supreme Court has declared that the liberal rules that it adopted a few years ago requiring disclosure of work product in first party bad faith cases does not apply with respect to attorney-client privileged communications.

In Allstate Indemnity Co. v. Ruiz, 899 So.2d 1121 (Fla. 2005

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How to Make an Insurance Complaint – Step by Step Guide

Alexander Nuttall — Fri, 30 Dec 2011 13:38:52 +0000

If you don’t know the correct way of making an insurance complaint, chances are that you will not get a resolution. There is a process that you must follow in order to get a satisfactory response from your insurance company.

Here is a step by step guide on how to register an insurance complaint:

1^st Step – The first step is to have a clear understanding of what your insurance policy does and does not cover you for. To be able to do this, you must read the policy document carefully and also read the exclusions. <

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Preventing Holiday Home Damage Caused by Pets

Mary Bowden — Sat, 17 Dec 2011 23:03:09 +0000

The British love their pets, and tend to take them everywhere – including away on holiday. It shouldn’t come as a surprise, then, that so many landlords experience damage caused by their tenants’ furry friends’. But what can you do about it?

The easy option is simply to disallow pets from staying in your holiday home. But while this will certainly save your fixtures and fittings from being bitten, scratched and gnawed at, don’t forget that owning pets in the UK is very widespread, and you may be losing out on the very lucrative ‘furry pound’.

If you do let animals stay in your home, be aware that few holiday home insurance policies will provide cover for damage caused by pets. That said, th

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The Health Insurance Gap

Alexander Nuttall — Mon, 12 Dec 2011 00:40:07 +0000

While the goal of health care reform is to provide individuals the opportunity to get affordable coverage, many consumers with pre-existing conditions are finding themselves caught in an eligibility requirement.

One side effect of reform is a health insurance gap for some consumers. The health insurance gap is when a consumer no longer has group health insurance or qualifies for COBRA. They aren’t eligible for an individual policy cause they have pre-existing conditions. A

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Health Insurance for the Self-Employed

Alexander Nuttall — Wed, 07 Dec 2011 13:16:34 +0000

Health Insurance for the Self-employed By Jeff Rose, CFP Finding quality health insurance at an affordable price is a difficult task for everyone. For those who are self-employed, it can be almost impossible. Many individuals turn down the opportunity to start a small business or

Health Insurance for the Self-employed By Jeff Rose, CFP

Finding quality health insurance at an affordable price is a difficult task for everyone.

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Get the Most out of your Flexible Savings Account

Alexander Nuttall — Tue, 22 Nov 2011 14:52:25 +0000

As the end of the year approaches, not only is it the time to review your current employer’s health insurance options but also make sure you are getting the most out of you’re Flexible Savings Account (FSA).

Many employees opt for FSAs for the tax-free savings but these medical saving accounts have some limitations. First off, the funds in these accounts expire at the end of the year (some employers offer grace periods which gives employees more time to use the funds). Second, the funds can no longer be used on over-the-counter medications due to health care reform.

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How to Safely Thaw, Cook, Store, and Reheat your Turkey

Jessica Downie — Mon, 21 Nov 2011 09:21:34 +0000

Fresh or Frozen?

If you haven’t already thawed your turkey, your options for thawing are limited, and you’d better start right away! From the Food Safety and Inspection Services, here are the safe methods for thawing, cooking, storing, and reheating your Thanksgiving turkey.

Allow 1 pound of turkey per person.

Buy your turkey only 1 to 2 days before you plan to cook it.

Keep it stored in the refrigerator until you’re ready to cook it. Place it on a tray or in a pan to catch any juices that may leak.

Do not buy fresh pre-stuffed turkeys. Read full post…

Auto, Property Insurance: Buying First Insurance Plans

Alexander Nuttall — Thu, 17 Nov 2011 21:51:41 +0000

What Your Grown Children Need to Know about Auto and Property Insurance By Linda Rey

Empty nester? Congratulations! You’ve done your job. You raised your children, and now they are going to start a new life away from home. But be aware that this situation creates a whole new dynamic on how to properly protect your family.

Your children may not be completely prepared or even terribly concerned about what type of insurance would be suitable in order to protect themselves and their belongings. Y

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Attorney Fees Awarded in TCPA Class Action Suit are not “Damages” nor “Costs” Payable Under the Supplementary Payment Provision of a CGL Policy.

Mary Bowden — Fri, 11 Nov 2011 17:34:40 +0000

Are attorney’s fees awarded in a class action settlement “damages” covered by a general liability policy? Are they covered as “costs” under the “Supplementary Payments” Provision of a CGL policy? Not according to the Eleventh Circuit in Alea London Limited v. American Home Services, Inc., 638 F.3d 768 (11th Cir. 2011). In that case, the Court of Appeals held that attorney fees awardable in a TCPA class action suit are not “damages” because of “personal and advertising injury” nor do they constitute costs payable under the Supplementary Payments provision of a CGL policy. Indeed, at the outset, the Court recognized that the ordinary and legal meaning of “costs” under Georgia law does not include attorneys’ fees.

The

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It would be blooming mortifying!

Jessica Downie — Mon, 07 Nov 2011 00:08:14 +0000

Given that so many girl’s childhood games and daydreams involve being royalty, usually starting out as some kind of Cinderella figure, graduating onto being a princess and eventually queen, it can be sobering to know that in so many ways it is much better to be a plain old commoner.

Although royalty don’t have to grapple with the banal domestic questions of how to get on the property ladder, how to pay for a holiday, and how to get the best deal on car insurance, it turns out there are actually plenty of downsides to having blue blood.

I mean, would you want a pair of your smelly old posthumous knickers to be auctioned to the highest bidder?

Well, that is precisely what happened to one monarch this week when a pair of Queen Victoria’s bloomers where auctioned for nearly £10,000.

I can only imagine that the late monarch is turning in her grave desperately wishing she’d taken her silk undergarments with her.

Stop! Paying so much for motor insurance

admin — Fri, 04 Nov 2011 19:13:58 +0000

Motor insurance premiums are rising and many road users are finding it increasingly difficult to find suitable cover at affordable prices. Fortunately, there are many steps you can take to reduce the cost of your insurance, and here we consider how to do so.

Purchase Motor Insurance Online

You will always find the most affordable motor insurance quotes on the internet, as opposed to in a real-world shop.

This is because the internet is a far more competitive market. With thousands of insurance companies vying for your custom, each must offer the best prices in order to ensure they generate enough business.

Secure the Vehicle

The cost of your insurance policy reflects the level of risk perceived by the insurance companies. If they believe you are more likely to crash, or fall victim to crime, then they will charge you more for your cover.

In order to reduce the perceived risk, and therefore the cost of your insurance, you need to make your motor safer. This means securing the motor from the risk of burglary or theft, so making use of alarm systems, wheel locks, and various other security systems. Furthermore, it means making sure the motor is well equipped with features that protect passengers, drivers and pedestrians. For instance, if you do not have air bags, it may be worth having them fitted.

In short, the safer the vehicle, the cheaper your insurance rates will be.

Spread the Cost

Sometimes, people struggle to find the lump sum needed to pay for insurance. Fortu Read full post…