Understand the dangerous risks inherent in insurance

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Understand the dangerous risks inherent in insurance

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<h1>Understand the dangerous risks inherent in insurance</h1>
<p><strong>Author: <a title="Insurance Quotes South Africa" href="http://www.articlesbase.com/authors/insurance-quotes-south-africa/737229">Insurance Quotes South Africa</a></strong></p>
<p>There are a number of very important concepts that you must understand when purchasing insurance. If these aspects of insurance are ignored, YOU will not simply be wasting your money; you will be exposing yourself to even greater risk.</p>
<p>First and foremost, the greatest danger by far is not taking out any insurance at all.</p>
<p>The rule of thumb is that if you can easily afford to replace an item of property, then insurance is unnecessary. It is however where the cost of replacing a property item such as a motor vehicle is massive, that insurance becomes critical for most consumers.</p>
<p>Insurance is primarily a risk sharing contractual relationship between the insurer and the insured. The insurance relationship assumes that the contractual partners manage the risk by taking all reasonable precautions to protect the insured property against loss.</p>
<p>For example, if you don't keep your motor vehicle in good repair, such as having worn tires, the insurer will be entitled to refute a claim on the basis that you contributed to the loss in the event of a car accident. Another example would be having an accident while driving under the influence of alcohol or drugs.</p>
<p>The next problem is when consumers do not insure their property adequately and end up being under-insured.</p>
<p>The danger here is that at claim time when the value that is insured is less than the value of the loss experienced. Should you be found to be under-insured, the insurer will apply a formula that will reduce the amount paid out in the case of a claim by the percentage that you are underinsured.</p>
<p>There are many ways to save money on insurance premiums without cutting corners. The few cents you save today could cost you thousands of Rands in the future.</p>
<p>Another aspect of your insurance policy is the amount of risk you carry in terms of the excess payable in the event of a claim. The greater the excess, the more risk you carry.</p>
<p>Another common problem is not checking that your policy premium has been paid. The fact that the debit did not go through at the end of the month on your bank account, because of some unrelated reason, is not the problem of the insurer, it is YOUR problem. Although a short grace period is normal, most policies will lapse after this grace period and insurers will decline to pay claims filed after this.</p>
<p>Another issue is the timeframe you have in which to file claims. Most insurance policies insist that claims are filed very soon after an accident or loss, at least within a month. For example, in some cases such as with insurance on heavy haulage trucks, the claim has to be filed within 24-48 hours. This is so that the insurer can attempt to minimize the loss by instituting own recovery processes and deploying recovery experts.</p>
<p>A neglected aspect is the fact that most insurance claims require that you report a loss in the event of criminal acts to the police. Without a police report, most insurers will not pay out.</p>
<p>And talking of criminal acts, don't dare make the mistake of lodging a fraudulent claim, you will be found out.</p>
<p>Insurers are very experienced in investigating insurance claims and sifting out the legitimate from the fraud. Not only will you end up with a criminal record, your ability to purchase insurance in future will be severely restricted if not impossible.</p>
<p>Don't make the mistake of not understanding the terms of your policy. Although, you should insist on the terms and conditions being explained to you, the insurer has no further obligation in this regard. And you must understand the policy before signing on the dotted line.</p>
<p>Incredibly important here are terms that people often overlook. An example is when the policy requires a burglar alarm in working order and switched on. Neglecting these conditions would make for an extremely unpleasant surprise in the event of an insurance claim. Make sure that you comply with all the conditions of your insurance policy.</p>
<p>A regular review of your insurance is essential. This is very important if you are making changes to your lifestyle such as buying a new home, moving home, changing careers or getting divorced.</p>
<p>Couples staying together will need to make sure their joint assets are properly insured.</p>
<p>Ask in whose name the insurance policy has been issued? Whether people are cohabiting or sharing a house, it is important that the policy is issued in the joint names of the partners, or at least that the interest of the partners is acknowledged on the policy document. This must not be confused with the standard contract wordings whereby most family members are included on the insured's policy, because this assumes a marriage contract or a civil union.</p>
<p>When it comes to the issue of underinsurance a partner's additional contents in the household will obviously increase the joint value of the assets significantly. The sums insured on the policy must be adjusted to avoid reducing claims payments due to underinsurance.</p>
<p>Consider the question of 'insurable interest'. This may have implications in the event of an insurance claim, even if the level of cover is adequate. Establish and agree on the extent of the insurance company's liability.</p>
<p>Consumers should take cognizance of any possible increase in risk created by the arrival of additional household contents; examples include expensive jewellery, firearms, or artworks.</p>
<p>Many of the above issues and more may be affected by the principles of disclosure. It is the duty of the insured to disclose material information to the insurance underwriter to allow the risk to be assessed correctly.</p>
<p>"While insurers are generally relaxed in issuing policies in joint names, it remains the duty of the client to disclose this change in the risk profile, and to ensure cover is increased adequately.</p>
<p>Many of the above problems could be avoided if full honest disclosure is made from the beginning.</p>
<p>Many negative perceptions about insurance stem from disappointments at claim stage, because consumers were less than candid about their insurance requirements with their broker.</p>
<p>Sure there are instances where brokers and insurers can be held liable for not acting professionally and fairly, and we are lucky to have consumer protection institutions in South Africa such as the FAIS and Short Term Ombudsmen, but non-disclosure of material facts that could influence the purchase of the insurance product are the main reason why insurers do refute claims.</p>
<p>Not insured, or not sure if you are insured correctly? Then get an <a href="http://www.insurancequotes.za.org" target="_blank">insurance quote</a> now.</p>
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<p>Article Source: <a href="http://www.articlesbase.com/insurance-articles/understand-the-dangerous-risks-inherent-in-insurance-3844926.html" title="Understand the dangerous risks inherent in insurance">http://www.articlesbase.com/insurance-articles/understand-the-dangerous-risks-inherent-in-insurance-3844926.html</a></p>
<p><strong>About the Author</strong></p>
There are lots of issues to be considered about tractor insurance, and those that are heavily into the subject are likely to want to know more.  Even if this article serves as no more than an introduction, nothing stops you from putting the information to good use.							
														
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																<h2 class="contentheading">Texas Home Insurance Money Saving Tips</h2>
														
																
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<h3>Texas Home Insurance Money Saving Tips</h3>
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<h1>Texas Home Insurance Money Saving Tips</h1>
<p><strong>Author: <a title="Jackson Insurance Services" href="http://www.articlesbase.com/authors/jackson-insurance-services/125269">Jackson Insurance Services</a></strong></p>
<p><strong>How would you like to save money on your Texas homeowners insurance</strong></p>
<p>As <a href="http://www.insuranceovertexas.com/">Texas home insurance</a> specialists we understands that your home is probably your most valuable asset. It is also a huge risk for you financially. What if a catastrophe strikes? What if you suffered from a fire, flood, vandalism or any other catastrophe? What if someone visiting you slips falls and suffers a serious injury? And sues you? An accident like that could put a real big dent in your financial security.</p>
<p>For most people, insurance is a mystery. They know they need to have insurance for their homes (mortgage lenders require it), but they don't understand the coverage provided by the policy. And they don't know which insurance companies offer the best prices. Because most people don't fully understand the insurance policy they are purchasing, many people think insurance is a rip-off.</p>
<p><a href="http://www.insuranceovertexas.com/texas_homeowners_insurance">Texas home insurance</a> is not created equal. In fact, almost none of it is. There are thousands of different products out there, from hundreds of insurance companies. How do you find the insurance and the insurance company that is best for you? You read this special report and tap into my vast knowledge of the products and the companies that offer them.</p>
<p>Insurance Over <strong>Texas</strong> is a local Houston insurance agency specialized in Texas home insurance. With over 20 of Texas insurance experience I know what kind of insurance fits your needs best. I also know what insurance companies sell quality insurance at the lowest price. Since I am specialized in the insurance needs of homeowners and their families for over two decades, I have decided to dedicate myself to solving some of the mysteries of homeowners insurance quotes Texas.</p>
<p>Texas flood insurance and earthquake coverage are two perils for which there is no coverage.</p>
<ul>
<li>You can get coverage for earthquake and flood damage in a separate policy or as an endorsement to your homeowners insurance Texas coverage. </li>
</ul>
<p>Replacement Cost or Actual Cash Value</p>
<p>Your Texas home policy does not provide coverage for all potential catastrophes that could damage or destroy your home. Earthquake and</p>
<p>There is also no coverage for damage caused by water that seeps into your home from the ground.</p>
<p>You do have coverage for losses related to fire, smoke, lightning, wind storms, hail, explosions, vandalism and theft.</p>
<p>There are different ways to insure your home. Generally you insure both the structure and your personal property. Let's take the structure first.</p>
<p>There are two types of coverage: replacement cost and actual cash value.</p>
<p><strong>Replacement cost coverage</strong> is highly recommended for all Texas homeowners. Under replacement cost coverage, the insurance will cover the cost of replacing the part of the structure that is damaged, up to a maximum dollar amount.</p>
<p>Under <strong>actual cash value coverage</strong> will cover the cost of replacing the damaged structure minus the depreciation. If you have an older home, this maybe the coverage you want. Unless your policy specifically says it provides replacement cost coverage, the coverage is for actual cash value.</p>
<p>So how much insurance should you have?</p>
<p>Basically, unless you want to pay some of the costs yourself, you should insure your home for what it would cost to rebuild it if your residence were destroyed.</p>
<p>How do you find this out?</p>
<p>Your insurance agent can provide you with this information. If you don't have an insurance agent and you should, you can contact your local builders association. In the home construction world, building costs are calculated on a square foot basis. As such, to determine the cost to rebuild your home, take the square footage of your house and multiply by the average per square foot building rate in your area.</p>
<p>Your possessions are also insured on a replacement cost or actual cash value basis. Again, unless specified otherwise, the coverage in your policy is actual cash value.</p>
<p>Home insurance policies also have limits on coverage for such items as jewelry, fine art and computer equipment. Read your policy and see what these limits are. For example, the standard policy will provide a maximum of $1,000 coverage for your jewelry if it is lost or stolen. If you have lots of jewelry, fine art or computer equipment, you should consider purchasing a special personal property endorsements or floaters that provides the coverage you need.</p>
<p>Speaking of needs, you need to take a written and a visual (still pictures or video) inventories of everything you own in your home and in other buildings on the property.</p>
<ul>
<li>Include all furniture -
<ul>
<li>Indoor and outdoor, appliances, stereos, computers and other electronic equipment, hobby materials and recreational equipment, china, silverware, kitchen equipment, linens, jewelry and clothing. For the major items (computers, televisions, stereo systems, etc.). </li>
<li>Write down the serial number, make or model number, purchase price, present value and date of purchase of each item. </li>
<li>If you have the receipts for the items, attach them to the inventory. </li>
<li>Make at least two copies of the inventory and store one of those copies offsite a safe deposit box is a good place. </li>
<li>Store the pictures or video of the inventory offsite as well. </li>
</ul>
<p>10 Ways to Save On Your Texas Home Insurance</p>
<p>Now that you know the basics of a homeowner's insurance policy, here are 10 ways you can pay less. In many cases, you can get the same level of coverage for fewer dollars.</p>
<ol>
<li><strong>One Insurer, Multiple Insurance Policies</strong> - Do you have a <a href="http://www.insuranceovertexas.com/auto_insurance_texas">Houston auto insurance</a> policy?
<ul>
<li>Is your auto insurance insured with the same company that provides your home insurance? </li>
<li>If the answer's no, you're paying too much for both policies. Almost every insurance company that sells home insurance wants its policyholders to also buy <strong>auto insurance</strong> from them. These insurers offer so-called <strong>multi-policy discounts</strong>. These discounts can be as much as 27% and some insurers apply the discounts to both the auto and the homeowners/renters policy. </li>
</ul>
</li>
<li><strong>Raise Your Deductible!</strong> - The deductible is the amount you pay before insurance kicks in if you have a claim. For example, if you have a $500 deductible and you file a claim for $1,500 in damage to your home, you pay the first $500 and your insurer pays the balance, $1,000. The higher the deductible you choose, the more you pay. However, the higher the deductible, the lower your policy premium. Depending on the insurance company, you can save between 12% and 37% if you have a deductible of $1,000 to $5,000. </li>
<li><strong>New Is Better!</strong> - Insurers really like newer homes. That's because it's less likely something will go wrong with the electrical, heating and plumbing systems. In addition, the structure itself is in better shape. Insurers offer discounts of as much as 8% to 15% if your residence is new. </li>
<li><strong>Location, Location, Location!</strong> - Where do you live and what is your home made of? If you're in the Eastern United States, it's better from an insurance perspective to have a brick or masonry residence because such a structure has a greater resistance to wind damage. By contrast, frame homes are better in the earthquake-prone West. The right structure in the right region can save you 5% to 15%. Further, if your home is near a fire station, you will pay less for homeowners insurance. If you live in an area that is prone to flooding, you may be required to buy a <strong>flood insurance policy</strong>. If you are not required to buy the coverage and still live in a flood-prone area, your Texas home insurance policy will not provide coverage for losses arising from flooding. </li>
<li><strong>Insure the House, Not the Land!</strong> - Nobody is going to steal your land. Fire and high winds won't destroy it. As such, when deciding how much homeowner's coverage to buy, don't include the value of the land. You should only cover the value of the house and any other buildings on the property. If you include the value of the land, you're paying too much. </li>
<li><strong>Don't Insure What You Don't Have!</strong> - Each year, you should review your policy to see what coverage you have for your possessions. If you have made a major purchase, you will want to increase your limits of coverage, but what if you sell something or something's? You don't need as much coverage. Pay particular attention to items that are covered by endorsements or floaters to your policy, items such as jewelry and computer equipment. </li>
<li><strong>Better Safe Than Sorry!</strong> - Smoke detectors, burglar alarms and deadbolt locks are usually worth discounts of at least 5%. You can get even bigger discounts, 15% to 20%, if you install a sophisticated sprinkler system or an alarm system that rings at the police station or a security company. However, not all of these systems qualify for discounts. Before you install one, check with your insurer to find out what type of system qualifies for a discount and how much you would save on your premium if you installed the system. </li>
<li><strong>Where There's Smoke There's fire!</strong> - Smoking (unattended cigarette butts, etc.) produces more than 23,000 residential fires in this country each year. That's why some insurers have discounts if all the residents in a home are nonsmokers. </li>
<li><strong>Group Discounts!</strong> - Some insurers offer discounts to certain business or alumni associations. If you are a member of such an association or associations, ask the directors of the associations if there are any insurance companies providing discounts to members. </li>
<li><strong>Don't Jump Around</strong> - If you've been with an insurer for a while and you like that insurer, stay put. Some insurance companies automatically have discounts for policyholders who have been with the company for a certain number of years. For example, 5% for at least three years, 10% for at least five years. </li>
</ol>
</li>
</ul>
<p>Article Source: <a href="http://www.articlesbase.com/insurance-articles/texas-home-insurance-money-saving-tips-3035788.html" title="Texas Home Insurance Money Saving Tips">http://www.articlesbase.com/insurance-articles/texas-home-insurance-money-saving-tips-3035788.html</a></p>
<p><strong>About the Author</strong></p>
<p>At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current <strong>insurance coverage</strong>, please do not hesitate to give me a call, shoot me an <a href="mailto:brett@insuranceovertexas.com"><strong>Email</strong></a>, or <strong><a href="http://www.insuranceovertexas.com/contact_us">contact us</a></strong>.</p>
This blog started out as a simple repository of basic information, then it grew to be a place on the web that is dedicated to farm insurance.  We thank everyone who contributed to our blog and also the people who painstakingly take time to read and comment - to make our site the best that it could be.																
																																
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																<h2 class="contentheading">How to Collect on Lost Life Insurance Policies</h2>
														
																
																Thanks for visiting our farm insurance website. You will find the latest information, discussions about the pros and cons of each aspect, and also, a large community of readers who regularly share their ideas and opinions on the latest developments. It is as important now as it ever was to examine the issue carefully. After all, without the facts, how can we know we are making the right choice? <br />
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<h3>How to Collect on Lost Life Insurance Policies</h3>
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<h1>How to Collect on Lost Life Insurance Policies</h1>
<p><strong>Author: <a title="Insure.com" href="http://www.articlesbase.com/authors/insurecom/51040">Insure.com</a></strong></p>
<p>A relative has just died. He had a life insurance policy with you listed as the beneficiary. There's just one problem: the life insurance policy is missing. You have no idea which insurance company wrote it. </p>
<p>If you find the missing <a href="http://www.insure.com/quotesmith/controller?REF=99998&reqid=qstermindex&redirx=x"> life insurance policy</a> in the future, are you still eligible to receive the death benefit? </p>
<p><b>Hope they paid their insurance bills</b></p>
<p>If you're a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free. </p>
<p>First, determine if the insured had term or permanent life insurance. If the insured held a term policy, you'll receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing. </p>
<p>If the insured had a permanent life policy, you'll receive the money if the death occurred while the policy was "in force," meaning all premium payments were made up until the time of death. If the death was a while ago, you'll receive the benefit with interest from the date of death. </p>
<p>If the <a href="http://www.insure.com/quotesmith/controller?REF=99998&reqid=qstermindex&redirx=x">life insurance policy</a> lapsed — meaning the insured stopped making premium payments before he died — there's a chance you might get nothing. When a permanent life insurance policy lapses, most insurance companies switch its status from permanent insurance to one of two options: </p>
<p><b>"Extended term"</b> — The insurance company uses the cash value of the policy to buy a term life insurance policy for the same death benefit using the cash value of the policy. The death benefit will continue for the longest period the cash value will purchase. </p>
<p><b>"Reduced paid up"</b> — The insurance company will keep the policy in force permanently, but will reduce the death benefit. </p>
<p>Gerry Brogla, an actuary for State Farm, says in the majority of the cases at his company, the permanent policy continues as extended term if it lapses. At State Farm, extended term is the default option for most permanent policies.</p>
<p>If the policy lapses, and the extended-term period expires before the insured dies, the policy is worthless and the life insurance beneficiary will get nothing. If the insured dies before the extended-term period is up, the beneficiary will receive the death benefit. If the policy lapsed because the insured died (thus ending premium payments and causing the insurance to be placed in extended-term status), the beneficiary will still collect the full death benefit, regardless of when the extended term was up. The beneficiary always needs to supply the insurance company with a death certificate to verify the date of death.</p>
<p>There is no time limit during which a life insurance beneficiary must step forward to collect the money, according to Jack Dolan, spokesman for the American Council of Life Insurers. "If a person shows up 30 years after [the insured's] death, the company still makes good on it," Dolan assures. </p>
<p><b>What happens if no one ever reports the death?</b></p>
<p>If the insured dies and the insurance company does not learn of the death, the policy lapses. Insurance companies will take steps to find out why a policyholder stopped making payments. </p>
<p>When an insurance company stops getting payments, it sends letters to the insured informing him the policy may lapse as a result of unpaid premiums. If the letters go unanswered, the company might initiate a search to find the insured. If that comes up empty, the company will then lapse the policy.</p>
<p>If a beneficiary to a policy never steps forward, it unfortunately means the insured paid money to a policy throughout his life and his beneficiaries never see a penny. This is why its a good idea to make sure beneficiaries are aware of any life insurance policies you have.</p>
<p>If you're lucky, the state may have your money</p>
<p>In some cases when a beneficiary fails to claim a death benefit for several years, the money is transferred to the state where the insurance policy was purchased under the escheat laws.</p>
<p>If a company knows an insured died and it cannot find the beneficiary, it must turn the full death benefit over to the state comptroller's department within three to five years of the insured's death. The money is transferred to the state where the insured bought the policy. The money is considered "unclaimed property" and gets lumped in with dormant bank accounts and uncollected rent deposits. The comptroller's department maintains a database that lists the names and addresses of lost life insurance beneficiaries. </p>
<p>Many states will try to contact life insurance beneficiaries in an effort to pay the death benefits. In Texas, for example, the names and addresses of the beneficiaries are published annually in each county in the state. In New York, the Web site of the <a href="http://www.osc.state.ny.us/ouf/index.htm"> New York State Comptroller's Office of Unclaimed Funds</a> has an online search to find any unclaimed death benefits owed to you. You can find out the procedures in your state by contacting the office of your state comptroller or treasurer.</p>
<p>Keep in mind your chances of finding the policy with the state are slim. The insurance company has no obligation to hand the money over to the state if it's unaware the insured died. In most cases, it's the beneficiary who contacts the insurance company. </p>
<p>Also, the insurer only transfers the money to the state three to five years after it cannot find the beneficiary but knows the insured died. If the state doesn't have the death benefit, it's likely the insurer is still looking for the beneficiary or doesn't know the policyholder has died.</p>
<p>Unclaimed death benefits are rarely transferred to the state. Dave Potter, a spokesman for Hartford Life, says less than 1 percent of his company's death benefits go unclaimed.</p>
<p>Del Chance, a life insurance claims manager at State Farm, says, "Turning over life policy benefits to an individual state after the death of an insured is extremely rare. State Farm utilizes their own search techniques as well as outside vendors to locate lost beneficiaries in the event of the death of one of our insureds. By and large these procedures have always located the beneficiary.</p>
<p><b>Tips for making sure your life insurance beneficiaries get your death benefit:</b></p>
<p>1. Give your beneficiaries your policy information. It can be a difficult and awkward conversation, but an important one.</p>
<p>2. Keep all your financial records (especially your life insurance policies) in one place. Don't force your beneficiaries to search your house from top to bottom after you die.</p>
<p><b>Tips for looking for lost life insurance policies:</b></p>
<p>1. Go through canceled checks or contact your relative's bank for copies of old checks. Look for checks made out to insurance companies.</p>
<p>2. Ask those who may have known about your relative's finances. Speak with the relative's lawyer, banker or accountant. Also contact the relative's insurance agent.</p>
<p>3. Contact your relative's past employers. They might know of possible group life insurance. The insured might have also purchased supplemental life insurance through work.</p>
<p>4. Check the mail for a year. Premium bills and policy-status notices are usually sent annually.</p>
<p>5. Look at income tax returns for the past two years. Check for interest income from policies or expenses paid to life insurance companies.</p>
<p>6. Contact the Medical Information Bureau. If your relative bought life insurance fairly recently, there might be a trail of the companies to which he applied. The Medical Information Bureau (MIB) maintains a database that might show if insurers requested your relative's medical information within the past seven years. Record searches can be requested through the MIB's Policy Locator Service and cost $75. The MIB says that nearly 30 percent of searches turn up leads.</p>
<p>Article Source: <a href="http://www.articlesbase.com/insurance-articles/how-to-collect-on-lost-life-insurance-policies-357858.html" title="How to Collect on Lost Life Insurance Policies">http://www.articlesbase.com/insurance-articles/how-to-collect-on-lost-life-insurance-policies-357858.html</a></p>
<p><strong>About the Author</strong></p>
<p>Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.</p>
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																<h2 class="contentheading">Health Insurance Reform From Easytoinsureme Health Insurance Quotes</h2>
														
																
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<h3>Health Insurance Reform From Easytoinsureme Health Insurance Quotes</h3>
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<h1>Health Insurance Reform From Easytoinsureme Health Insurance Quotes</h1>
<p><strong>Author: <a title="Health Insurance" href="http://www.articlesbase.com/authors/health-insurance/203409">Health Insurance</a></strong></p>
<p>Federal </p>
<p>Owing to multiple blizzards in Washington, Congress started its President's Day recess a full week early and conducted no official business last week. However, there was some legislative drama as Senate Majority Leader Harry Reid pulled the rug out from under Finance Committee Chairman Max Baucus by scrapping the Baucus jobs bill (without warning), which contained many health insurance items, and replacing it with a stripped down, narrow jobs bill. Whether the health items Baucus originally inserted with Republican help will make it back to the table remains fuzzy. Among the health items that have been dropped are: the COBRA eligibility extension (to May 31); the "doc fix" (to October, 2010) of Medicare reimbursement rates; and the favorable statutory direction to CMS to calculate the 2011 Medicare Advantage rates "as if" the doc fix were in place. </p>
<p>States<br /><a href="http://www.easytoinsureme.com/california-health-insurance.html"><br />California health insurance</a> The Office of Patient Advocacy released a report card on the state’s HMOs last week. Aetna received 3 out of 4 stars. The goal of the report card is to allow consumers to compare how well health plans use personal medical records and help address conditions such as asthma, arthritis and diabetes. </p>
<p>COLORADO: Governor Bill Ritter held a press conference to announce what he calls "the next round of reforms that represent common sense." His legislative package includes bills to preclude insurance companies from charging different rates due to a person's gender, ensure that women have access to breast cancer screening, assure plain language is used in insurance forms, standardize insurance applications and explanations of benefits, and encourage greater use of online tools to enroll people in public programs. Apart from the Governor's proposals, a bill that would establish a public option was also introduced. </p>
<p>CONNECTICUT: In a short legislative session of only three months, the Insurance & Real Estate Committee wasted no time in putting forth an agenda that includes many concept drafts for repeat legislation from previous sessions. These include prohibiting health insurance copayments for preventive care, limiting prescription drug copayments, prohibiting Social Security disability payment offsets, and exempting the Municipal Employees Health Insurance Plans from the premium tax on small group premiums. In addition, the committee reintroduced legislation that includes nearly a dozen new health benefit mandates. The Council for Affordable Health Insurance, an independent think-tank, says that health insurance mandates could increase premiums in Connecticut by more than 50 percent overall. </p>
<p>GEORGIA: A bill was proposed last week that would impose significant restrictions on insurers' ability to rescind health insurance policies. Aetna, through the Georgia Association of Health Plans and AHIP, met with the legislator sponsoring the bill to express concerns with the bill. </p>
<p>INDIANA: The legislative session is at halftime, and the insurance agenda is now limited. Most insurance issue bills are officially dead, including a bill that would have prohibited health plan provisions requiring a contracted provider to accept more than a certain number of patients; coverage for dialysis treatment regardless of whether the facility is contracted or not and without certain benefit restrictions; and a bill that would have allowed out-of-network assignment of benefits. However, Aetna is expecting that a bill requiring insurer and HMO annual reporting of premium cost composition, including administrative costs, may be resurrected. A bill that restricts dental insurers and HMOs from establishing fee schedules for non-covered services passed the Senate, with our amendment to accommodate most of the key concerns expressed by opponents of the bill. As the bill stands, dental insurance plans may impose fee schedules for covered services, regardless of whether the plan actually pays for the services rendered.</p>
<p>KANSAS: An amended version of S.B. 389 related to dental services passed the Senate Financial Institutions and Insurance Committee on February 11. The amended bill prohibits any contract between a health insurer that offers a health benefit plan and a dentist from containing a provision that requires the dentist to accept a fee schedule for services unless the service is a covered service. Committee amendments added to the definition of a "health benefit plan" the following: any subscription agreement issued by a non-profit dental service corporation; any policy of health insurance purchased by an individual; the state children’s health insurance plan; and the state medical assistance program under Medicaid. We will continue to update you as this bill progresses and hope to make favorable changes as the bill moves through the House. </p>
<p>MASSACHUSETTS: Governor Deval Patrick filed a 40-page bill that proposes giving the insurance commissioner the power to hold public hearings on rate adjustments and essentially cap health care price increases. Rate increases for individuals would be held to the rate of medical inflation; those sold to employers with 50 or fewer workers could not exceed one and a half times the level of medical inflation. The legislation would also impose a two-year moratorium on any new health benefit mandates. Legislative leaders praised the intent of the governor’s plan but declined to promise support. Strong opposition is expected from medical provider groups. The Governor simultaneously announced emergency regulations to take immediate effect that will require health insurers to submit proposed small business rate increases for review by the state 30 days before they take effect. Several other proposed provisions include a requirement that insurers offer at least one coverage plan with a limited network of health care providers costing at least 10 percent less than health plans with access to more physicians. The Massachusetts Association of Health plans is lobbying in support of a bill introduced by Senate Insurance Chair Richard Moore that would create a cheaper health insurance product for small employers by capping payments to providers at just 10 percent above Medicare rates. The Massachusetts Medical Society is against that proposal.</p>
<p>MISSOURI: An autism coverage mandate bill was amended and "perfected" by the Senate and then sent to the Government Accountability and Fiscal Oversight Committee from which it must emerge before returning to the floor of the Senate. In addition to two mandate-related amendments, a third amendment to the bill allowing for limited cross border sales of health insurance also passed. In its current form, the bill contains a mandated offering of the coverage in the individual market. Coverage is limited to treatment ordered by a licensed physician or psychologist whose treatment plan the carrier is entitled to review every six months. Coverage for applied behavior analysis (ABA) is limited to $52,000 annually (down from the $72,000 as introduced) for persons under age 21. Meanwhile in the House, a bill containing significant language relating to the credentialing of autism service providers also passed. The bill also contains a mandate to offer coverage in the individual market and to groups of fewer than 25. Groups of 25 to 50 would be entitled to an exemption from the mandate if they could demonstrate an increase in premiums tied to the mandate. The bill limits annual coverage of ABA ($36,000 for children ages 3-9; $20,000 for children ages 9-21). Aetna will continue to monitor the status of these mandates, but it appears fairly clear at this point that something will pass on the issue of autism.</p>
<p>NEW JERSEY: Last week Governor Chris Christie declared a fiscal state of emergency calling a special session of the legislature to lay out his plan for dealing with state’s current $2.2 billion budget shortfall. His plan calls for significant cuts or eliminations across 375 state programs and withholding $500 million of state education aid. Of note on the program side is a $12.6 million reduction in Charity Care funding to hospitals, which pays for care to uninsured residents. In legislative action, the Assembly Financial Institutions and Insurance Committee held a three-hour public hearing on out-of-network reimbursement. Much of the hearing focused on the markedly higher billing practices of ambulatory surgery centers and one non-par hospital. Aetna presented testimony regarding its experience with the non-par hospital, citing their disparate year-over-year increase in charges compared to other similarly situated hospitals. Chairman Schaer indicated the committee will work over the next several months to craft a solution.</p>
<p>NEW YORK: With Democratic Senator Hiram Monserrate officially expelled from the Senate, the Democratic majority (31-30) now faces an uphill battle getting the 32 votes needed to pass legislation. However, both the Senate and the Assembly moved forward with a public hearing on the Executive Budget proposal for health, including the section mandating the prior approval of rate adjustments. The Health Plan Association testified on behalf of the industry. If enacted, Governor Paterson's proposal for an 85 percent medical loss ratio and a prior approval hearing process for all rate adjustments would essentially amount to government control of health insurance, undermining the private health insurance market in New York. Price controls would weaken health plan solvency, hurt providers and virtually eliminate innovation and efficiency. At the same time, the proposal ignores the underlying cause of the increasing cost of health insurance -- the increase in the actual costs of health care services.</p>
<p>OKLAHOMA: The second session of the 52nd Oklahoma Legislature convened in Oklahoma City on February 1. Legislators quickly turned to the state’s $1.3 billion budget deficit described by Governor Brad Henry (D) in his eighth and final state of the state address and FY 2011 executive budget. During his address, the Governor focused on his plans for resolving the $1.3 billion budget deficit through precise budget cuts. His only reference to health insurance was to encourage the expansion of Insure Oklahoma, a program developed by the state in partnership with small employers to provide affordable health coverage. The legislature is scheduled to adjourn on May 28 but only after addressing a range of legislation including several bills of interest to Aetna. </p>
<p>SOUTH DAKOTA: A dental fee schedule bill (S.B. 108) unanimously passed the Senate Commerce Committee and is expected to be taken up by the full Senate early this week. The bill prohibits any contract between a health insurer that offers a health benefit plan and a dentist from containing a provision that requires the dentist to accept a fee schedule for services unless the service is a covered service. Aetna will continue to follow the bill's progress as it progresses. </p>
<p>TENNESSEE: Several bills have been proposed that would make changes to the state's external review law. Aetna and other industry representatives will be meeting with the Tennessee Department of Commerce and Insurance regarding its proposed changes to the external review law. The bill proposed by the TDCI most closely mirrors the model legislation proposed by the National Association of Insurance Commissioners. </p>
<p>UTAH: The Speaker of the House has introduced a health reform bill addressing health information technology, individual and small group market reforms and transparency. The overarching theme of the reforms is micromanagement of rates and rating factors, and a broadening of the Insurance Commissioner's authority. The transparency provisions apply plan designs and benefit descriptions submitted by carriers, and would require providers to make available, upon request, a price list for services on both an inpatient and outpatient basis.</p>
<p>Article Source: <a href="http://www.articlesbase.com/politics-articles/health-insurance-reform-from-easytoinsureme-health-insurance-quotes-1871151.html" title="Health Insurance Reform From Easytoinsureme Health Insurance Quotes">http://www.articlesbase.com/politics-articles/health-insurance-reform-from-easytoinsureme-health-insurance-quotes-1871151.html</a></p>
<p><strong>About the Author</strong></p>
<p>Quoting & Saving just got easier...Easy To Insure ME Health Insurance Quotes... Quote all carriers in seconds</p>
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Obviously, there is a lot more to know about tractor insurance.  This brief article is just a start, and the next step is to do some more research.  In any case, the tips in the article set the stage for a more detailed treatment of the subject.																
																																
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<h1>Houston, Texas Auto Insurance - What You Need To Know</h1>
<p><strong>Author: <a title="Jackson Insurance Services" href="http://www.articlesbase.com/authors/jackson-insurance-services/125269">Jackson Insurance Services</a></strong></p>
<p>So you are looking around for <a href="http://www.insuranceovertexas.com/auto_insurance">Houston auto insurance</a>. What should you know? In this report I discuss 7 ways you can save money on your <strong>auto insurance policy</strong>.</p>
<h3>Rule One: Your Texas homeowners and auto insurance are not with the same agent!</h3>
<p>Are you inured with a homeowners insurance in Houston or rental property insurance policy? Yes, is it packaged with your <strong>Houston</strong><strong> auto insurance</strong>? No, well than you are missing out on the discounts available when you package your insurance.</p>
<p>Most agents who sell Houston auto insurance, additionally look to package their clients Texas home insurance or renters insurance together. Packaging your home and auto together provides you with additional discounts up to 25%.</p>
<p><em><strong>Ask your agent about packaged policy savings.</strong></em></p>
<h3>Rule Two: Keep a clean driving record</h3>
<p>There is no mystery that an individual with a healthier driving record, will pay a lower <strong>car insurance premium</strong>.</p>
<p>A lot of auto agencies are in fact a group of numerous insurance companies, individually catering to a specific type of client. Bad drivers may fit better in one company, good drivers in another, but the bulk of the population fall in the companies between. These people pay a lower premium than bad operators, but a higher premium than excellent operators.</p>
<p>Even though average drivers might have driving records as good as those insured with the lowest rates, They still pay a higher premium. Why?</p>
<p>This is commonly due to the buyer being uninformed. If you maintain a flawless vehicle record, why should you pay more than you need to. Make sure your agent is helping you take advantage of all the available discounts offered.</p>
<h3>Rule Three: Glamorous Vehicles Equal Higher Premiums</h3>
<p>The car you choose to drive can greatly affect your auto insurance premium</p>
<ul>
<li>Is the car type a green light for criminals? </li>
<li>Does it cost more to fix your car? </li>
</ul>
<p>If you answered yes to one or both of these questions, you may be paying a higher than average premium for your Houston auto insurance policies cover.</p>
<h3>Rule Four: Increase your deductible amount:</h3>
<p>Your deductible amount is the cost you are responsible to pay before the insurance company takes care of the rest. Here is an example, an insured is covered with a $500 deductible and the insured has a wreck where their car suffers $1,500 in damage, the insured will first pay $500 followed by your insurance company paying the remaining, $1,000. The smaller your deductible amount, the greater premium you will pay.</p>
<p>Depending on your accident frequency, it may be beneficial to you to increase your deductible and pay a lower premium every year.</p>
<h3>Rule Five: Get rid of unnecessary coverages</h3>
<p>Maybe you drive a dated car, with very little worth. You probably do not need collision and comprehensive coverages.</p>
<p>If the value of your car is below $1,000 there is no reason to choose comprehensive and collision coverage. What is the value of your car? Ask your auto dealer or look it up on Kelly Bluebook.</p>
<h3>Rule Six: Be sure you take advantage of all the available discounts</h3>
<p><strong>Texas</strong><strong> car insurance carriers</strong> offer many additional savings discounts.</p>
<ul>
<li>Automatic seat beats </li>
<li>Air bags </li>
<li>Anti-lock brakes </li>
<li>Alarms and theft devices </li>
<li>Good student </li>
</ul>
<h3>Rule Seven: Good credit scores can play a major factor</h3>
<p>Do you have a better credit score than accident record? A high credit score may save you a lot of money with some insurance companies.</p>
<p>High or low credit scores may play a major role in shaping auto insurance premium. Good credit scores may provide you with additional discounts while a poor credit score could raise your premium greatly depending on the company. If your credit score improves after you purchase an auto insurance policy, makes sure you let your agent know so you can take advantage of the discounts applied to good credit.</p>
<p>Despite your credit score, speak with your agent and be sure you are with a company that best fits your auto insurance needs.</p>
<p>Learn more about Houston auto insurance online or request a <strong>free online auto insurance quote.</strong></p>
<p>At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current <strong>insurance coverage</strong>, please do not hesitate to give me a call, shoot me an <strong><u>Email</u></strong>, or <strong>Ask a Texas insurance question online</strong></p>
<p>Article Source: <a href="http://www.articlesbase.com/insurance-articles/houston-texas-auto-insurance-what-you-need-to-know-1601124.html" title="Houston, Texas Auto Insurance - What You Need To Know">http://www.articlesbase.com/insurance-articles/houston-texas-auto-insurance-what-you-need-to-know-1601124.html</a></p>
<p><strong>About the Author</strong></p>
<p>Brett Jackson, associated with <a href="http://www.insuranceovertexas.com/">Insurance Over Texas</a> is an Independent Insurance agent specializing in Home and Auto insurance in the State of Texas. Insurance Over Texas is a family owned agency that has been providing services for over 25 years.</p>
This is by far one of the best articles we have seen recently. We hope you enjoyed reading it. Each year it seems that somebody comes out with a new take on an old problem, however, this is the most interesting way to look at it that we have found. <br />
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<h1>Understand the dangerous risks inherent in insurance</h1>
<p><strong>Author: <a title="Insurance Quotes South Africa" href="http://www.articlesbase.com/authors/insurance-quotes-south-africa/737229">Insurance Quotes South Africa</a></strong></p>
<p>There are a number of very important concepts that you must understand when purchasing insurance. If these aspects of insurance are ignored, YOU will not simply be wasting your money; you will be exposing yourself to even greater risk.</p>
<p>First and foremost, the greatest danger by far is not taking out any insurance at all.</p>
<p>The rule of thumb is that if you can easily afford to replace an item of property, then insurance is unnecessary. It is however where the cost of replacing a property item such as a motor vehicle is massive, that insurance becomes critical for most consumers.</p>
<p>Insurance is primarily a risk sharing contractual relationship between the insurer and the insured. The insurance relationship assumes that the contractual partners manage the risk by taking all reasonable precautions to protect the insured property against loss.</p>
<p>For example, if you don't keep your motor vehicle in good repair, such as having worn tires, the insurer will be entitled to refute a claim on the basis that you contributed to the loss in the event of a car accident. Another example would be having an accident while driving under the influence of alcohol or drugs.</p>
<p>The next problem is when consumers do not insure their property adequately and end up being under-insured.</p>
<p>The danger here is that at claim time when the value that is insured is less than the value of the loss experienced. Should you be found to be under-insured, the insurer will apply a formula that will reduce the amount paid out in the case of a claim by the percentage that you are underinsured.</p>
<p>There are many ways to save money on insurance premiums without cutting corners. The few cents you save today could cost you thousands of Rands in the future.</p>
<p>Another aspect of your insurance policy is the amount of risk you carry in terms of the excess payable in the event of a claim. The greater the excess, the more risk you carry.</p>
<p>Another common problem is not checking that your policy premium has been paid. The fact that the debit did not go through at the end of the month on your bank account, because of some unrelated reason, is not the problem of the insurer, it is YOUR problem. Although a short grace period is normal, most policies will lapse after this grace period and insurers will decline to pay claims filed after this.</p>
<p>Another issue is the timeframe you have in which to file claims. Most insurance policies insist that claims are filed very soon after an accident or loss, at least within a month. For example, in some cases such as with insurance on heavy haulage trucks, the claim has to be filed within 24-48 hours. This is so that the insurer can attempt to minimize the loss by instituting own recovery processes and deploying recovery experts.</p>
<p>A neglected aspect is the fact that most insurance claims require that you report a loss in the event of criminal acts to the police. Without a police report, most insurers will not pay out.</p>
<p>And talking of criminal acts, don't dare make the mistake of lodging a fraudulent claim, you will be found out.</p>
<p>Insurers are very experienced in investigating insurance claims and sifting out the legitimate from the fraud. Not only will you end up with a criminal record, your ability to purchase insurance in future will be severely restricted if not impossible.</p>
<p>Don't make the mistake of not understanding the terms of your policy. Although, you should insist on the terms and conditions being explained to you, the insurer has no further obligation in this regard. And you must understand the policy before signing on the dotted line.</p>
<p>Incredibly important here are terms that people often overlook. An example is when the policy requires a burglar alarm in working order and switched on. Neglecting these conditions would make for an extremely unpleasant surprise in the event of an insurance claim. Make sure that you comply with all the conditions of your insurance policy.</p>
<p>A regular review of your insurance is essential. This is very important if you are making changes to your lifestyle such as buying a new home, moving home, changing careers or getting divorced.</p>
<p>Couples staying together will need to make sure their joint assets are properly insured.</p>
<p>Ask in whose name the insurance policy has been issued? Whether people are cohabiting or sharing a house, it is important that the policy is issued in the joint names of the partners, or at least that the interest of the partners is acknowledged on the policy document. This must not be confused with the standard contract wordings whereby most family members are included on the insured's policy, because this assumes a marriage contract or a civil union.</p>
<p>When it comes to the issue of underinsurance a partner's additional contents in the household will obviously increase the joint value of the assets significantly. The sums insured on the policy must be adjusted to avoid reducing claims payments due to underinsurance.</p>
<p>Consider the question of 'insurable interest'. This may have implications in the event of an insurance claim, even if the level of cover is adequate. Establish and agree on the extent of the insurance company's liability.</p>
<p>Consumers should take cognizance of any possible increase in risk created by the arrival of additional household contents; examples include expensive jewellery, firearms, or artworks.</p>
<p>Many of the above issues and more may be affected by the principles of disclosure. It is the duty of the insured to disclose material information to the insurance underwriter to allow the risk to be assessed correctly.</p>
<p>"While insurers are generally relaxed in issuing policies in joint names, it remains the duty of the client to disclose this change in the risk profile, and to ensure cover is increased adequately.</p>
<p>Many of the above problems could be avoided if full honest disclosure is made from the beginning.</p>
<p>Many negative perceptions about insurance stem from disappointments at claim stage, because consumers were less than candid about their insurance requirements with their broker.</p>
<p>Sure there are instances where brokers and insurers can be held liable for not acting professionally and fairly, and we are lucky to have consumer protection institutions in South Africa such as the FAIS and Short Term Ombudsmen, but non-disclosure of material facts that could influence the purchase of the insurance product are the main reason why insurers do refute claims.</p>
<p>Not insured, or not sure if you are insured correctly? Then get an <a href="http://www.insurancequotes.za.org" target="_blank">insurance quote</a> now.</p>
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<p>Article Source: <a href="http://www.articlesbase.com/insurance-articles/understand-the-dangerous-risks-inherent-in-insurance-3844926.html" title="Understand the dangerous risks inherent in insurance">http://www.articlesbase.com/insurance-articles/understand-the-dangerous-risks-inherent-in-insurance-3844926.html</a></p>
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Understand the dangerous risks inherent in insurance

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