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5 Steps to Filing Your Auto Insurance Claim

Auto: 1. Evaluate whether or not you should file a claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim. 2. Fill out your -What to do After an...

InsuranceGuru on May 24, 2010 0

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How to Obtain a Good Auto Insurance Policy

Auto: Auto insurance is very important and can account for a sizable portion of your monthly budget. Depending on many factors such as how many vehicles you have, your driving record, and age, auto insurance can run into the thousands of dollars per year. Even though the cost of the policy is important, it is also important to make sure you’re adequately covered. Shop Around The insurance industry is very competitive, and there are seemingly countless companies to choose from. So, with so many options available, the best thing you can do is to shop around. You’ll be surprised how the ...

InsuranceGuru on May 24, 2010 1

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Health Law Limits Premiums for Young Adults

Health: WASHINGTON—Insurers and employers will not be able to charge higher rates for young adults who stay on their parents' insurance plans than they charge for younger children, according to federal rules released Monday. The rate restriction is part of a slate of rules from the Health and Human Services Department on one of the most popular provisions in the recently enacted health overhaul law: Young adults can remain on their parent's insurance plans until they turn 26 years old. The provision doesn't officially take effect until September but more than 65 insurers including Aetna Inc.,...

InsuranceGuru on May 10, 2010 0

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How Much Coverage Do You Need?

Auto: Coverage Types: · Bodily Injury Liability · Property Damage Liability · Personal Injury Protection · Uninsured Motorist Protection · Collision and Comprehensive · Extras One tried and true way to reduce your auto insurance premium is to hike the deductible on your collision coverage and skimp on your liability coverage. Sometimes this can make sense, but often it's not worth the extra risk. In this section we'll explain several of the coverages you're likely to ...

InsuranceGuru on May 10, 2010 1

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Obama says health care law already helps millions

Insurance Insider: WASHINGTON – The new health care law already is helping millions of people through tax breaks for small businesses and assistance for families with young adults, President Barack Obama said Saturday. In his weekly radio and Internet address, Obama promoted his top domestic priority, which passed Congress with no Republican votes and continues to stir strong emotions nationwide. He acknowledged that many provisions will not take effect for years. But he said others are doing some families good now. Some 4 million small-business owners and organizations have been told of a possible h...

InsuranceGuru on May 8, 2010 0

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Key Provisions of Health Reform that Take Effect Immediately

Insurance Insider: 1) Small Business Tax Credits Offers tax credits to small businesses to make employee coverage more affordable. Tax credits of up to 35 percent of premiums will be available to firms that choose to offer coverage. Effective beginning calendar year 2010. (Beginning in 2014, the small business tax credits will cover 50 percent of premiums.) 2) No Discrimination Against Children with Pre-Existing Conditions Prohibits new health plans in all markets plus grandfathered group health plans from denying coverage to children with pre‐existing conditions. Effe...

InsuranceGuru on May 5, 2010 0

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Same-sex Couples' Health Costs Higher

Health: Even if a state or employer allows coverage for a partner, federal laws don't offer the same tax advantages that heterosexual couples have. Each year as the April 15 tax deadline nears, Shane Snowden is reminded how much more she pays for health coverage for her same-sex partner than her heterosexual colleagues pay for their spouses' benefits. While exchanging vows doesn't guarantee access to health insurance, marriage makes having it both more likely and less expensive -- if your spouse is of the opposite sex. Even in states where same-sex marriages are legal, employers may exclude p...

InsuranceGuru on May 5, 2010 0

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The Most (and Least) Expensive Vehicles to Insure

Auto: The Porsche Carrera 911 GT2 two-door coupe is the most expensive 2010 vehicle to insure, according to a new ranking of average premiums for 2010 models that Insure.com released this week. The rankings, which the insurance information and shopping site publishes annually, are based on the premium that a 40-year-old man with a good driving record, a good credit record and a 12-mile commute would pay annually. The insurance data firm Quadrant Information Services calculated the average premiums for Insure.com by averaging car insurance rates from six large carriers across 10 ZIP codes in ea...

InsuranceGuru on April 28, 2010 0

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Ways To Save On Medical Bills

Best Insurance: For most Americans, healthcare is a top personal and financial priority. Unfortunately, provider billing mistakes combined with the skyrocketing cost of healthcare services, health insurance premiums and prescription drugs can create real financial concerns. The good news is that there are ways to keep your medical bills in check. Choosing Providers and Pricing According to the U.S. Census Bureau, the majority of Americans (nearly 86%) have health insurance coverage to pay for the majority of their healthcare services. However, even if you have health insurance, you can stil...

InsuranceGuru on November 25, 2009 0

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US Banks Prepaying $45B in Insurance Fees

Insurance Insider: U.S. banks will prepay about $45 billion in premiums to replenish a federal deposit insurance fund now in the red, under a plan adopted by federal regulators.The Federal Deposit Insurance Corp. board voted Thursday to mandate the early payments of premiums for 2010 through 2012. Amid the struggling economy and rising loan defaults, 120...

InsuranceGuru on November 16, 2009 0

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Life Insurance Trust to Protect Your Children

Life: As a parent you want your children to live their lives to the fullest. You can make sure that they will, by passing wealth to your children through life insurance trust. To create a life insurance trust you need: Purchase a permanent life insurance policy. The best life insurance policies for trust planning are Whole life or guaranteed Universal life. By creating a trust, your children will beneficiaries on your policy. If you currently have term-life insurance you need to convert it into the appropriate permanent coverage. Meet with an attorney to plan the...

InsuranceGuru on September 30, 2009 0

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Choose Best Insurance Company for Your Business

Best Insurance: Choosing an insurance company to be a provider for your business insurance is very important. Once you have selected your insurance agent, you will need to choose between different policies and programs offered by different insurance companies. Here are some important points to think about when choosing an insurance company for your business insurance. Price - The price of coverage can vary significantly from one insurer to another even thought they would offer the same coverage. Ask your insurance expert to provide you with quotes from different insurance carriers, so ...

InsuranceGuru on September 28, 2009 0

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