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June 03 2015

nonchalantcreas22

Outlines For Michigan Auto Insurance Advice

Auto insurance is needed for any drivers. If you do not have one, you do not be allowed to drive. If you get caught driving not insured papers, you could be arrested for disobeying the law. Auto or auto insurance is important for every single vehicle. In the event of any damage, accident or theft, the insurance company will restore your vehicle about what it turned out without collecting a penny from you finding out independent of the monthly premium that may be paid by you.



I'd like that you should evaluate the last workday you needed. Think about how we started the morning when it comes to your time level and ways in which that could have affected your driving. Most people admittedly hit their alarm's "snooze" button at least 2 times before they get out of bed. These actions may very well transition to your road if you are commuting to figure.

The final premium are not determined until and if you do not negotiate and finalize the sale. Does your little one get high gpa's? This is a reflection of http://aversoninsurance.net/ his / her capability to do as much as possible well. Insurers recognize this and present discounts. If your youngster is great and extracurricular activities too, technology-not only to demand additional discounts. If you feel that there's no link between extracurricular activities and good driving, then there isn't any obvious link between high gpa's and good driving also.

Check out the forums which one can find online in the insurance field. There are many interesting stuff that are available there. There are many individuals with similar issues with your which might be discussing their issues. This way you could possibly locate fairly easily the answers that you'll be trying to find plus an increasing time period too. And the beauty of it really is the additional time spent online researching, the harder related forums or threads you'll find.

A word of caution: comparing different quotes, make sure you're car insurance requirements comparing "apples to apples". Don't get distracted by flowery wording; read everything carefully, and ensure to question questions if there's nearly anything you don't understand. Before you spend your hard-earned money and take that insurance quote, you wish to make sure that it's, in reality, likely to provde the coverage you actually need.

January 29 2015

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What Factors Affect Your Premiums?

Californians love their cars and do a lots of driving. Yet inspite of the amount of vehicles on the road, the fatality rate from traffic crashes is substantially lower than the national fatality rate. This is good news for anybody traveling by car in California. However, insuring a car or truck on this state remains to be costly. Let's take a simple take a look at road safety in California and talk about among the best solutions to pay less for automobile insurance.

Your first the avenue for call can be to learn whether you qualify for the low-cost car insurance program from the state. This program does require you to meet particular criteria. Firstly, you need to be over a relatively low income, which breaks down to to be about $25,000 or less a year for any single person or over to about $70,000 to get a group of six.

While there might 't be much you can do directly about others reporting fraudulent claims you can still prepare by selecting an insurer that will offer you the top service and many comprehensive coverage for the lowest price in your area. This means the as opposed to simply settling for namebrand company or some other firm that's been established for quite some time look for the ones that are reliable and may supply you with the most effective incentives. You should look at different companies and seek out a company to suit your requirements specifically and may enable you to have the treatment and coverage that you need most.

Now that you tend to be more experienced in the regulations to become a legal driver in California and possess determined on the additional insurance you want, it's time to start comparing providers. Get several unique quotes from registered insurance firms. Because you have determined what you really are trying to find, you will end up more capable of judge the quotes and find out which company will provide you the required insurance in the best price.

You will need to have of the vehicle's information ready to go. This will are the Vehicle Identification Number, along with general information regarding make and model from the car. You will also provide your driving history in addition to a appraisal of creditworthiness. If you do not have great credit, your monthly rate might go up.

If you should really need to search out low cost car insurance then head on over to http://www.cheapautoinsurance-california.com/

January 18 2015

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Cheap Mandatory Liability Insurance Quote

One of the larger bills that people are apt to have every month is perfect for our motor insurance. That is why it is just a good plan to make sure that individuals are not paying a lot of more with this bill compared to what we will need to. Comparing auto insurance rates is an excellent method to accomplish this, where there are many different methods that individuals can go about carrying it out. It might be appealing to you, however, to learn exactly how much it will save you and to dispel a few myths that surround auto insurance rates in general.

Let's start with the method that you impact the affordability of your car insurance premium. If you are a good student, B average or better, insurers will respond favorably and give some discount on the premium. So get those grades up or get proof of your current standing for a insurer and discover what who makes.

There are numerous websites offering free automobile insurance estimates and also this is unquestionably something you need to reap the benefits of. It's a win-win situation for both parties, companies can attract several prospective clients and you also don't have to pay one particular dime just to get quotes or rates.

Installing anti-theft alarms, demobilizers and tracking systems in a vehicle also lessens the probability of the vehicle being stolen or vandalized. This is why insurance providers will find out everything before supplying quotes. A car without such security systems might be stolen without notice and also this puts the insurance company in a tight corner since they must replace the automobile.

Women drivers, like other drivers, often stay with insurance providers that charge the best premiums. In case you only need a auto insurance policy that fulfills your state minimum coverage standards, then getting a cheap quote is suitable. However, whole car insurance policies provides you with extraordinary protection at a bigger cost. Even though auto insurance for women is simply about always more cost-effective, there are some exceptions for the rule.

To receive no charge insurance quotes explore cheap auto insurance in Kentucky.

June 27 2014

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Speedy Techniques For Affordable Car Insurance - For Adults

http://frohweinmemories.wordpress.com/2014/06/23/immediate-guidance-in-cheap-car-insurance-a-closer-seem/ Auto insurance may seem like an annoyance when you don't need to use it, but if you get in an accident, you'll be incredibly relieved that you have it. Not all auto insurance policies are created equal and you want to be sure your insurance company will give you what you pay for, however. Here are some tips for any auto insurance shopper.

To save money on car insurance, consider setting a higher deductible of what you would pay out of pocket, in the event of an accident. If you make a claim and reducing that amount, translates to lower premiums for you, the insurance company prices policies based on what they expect to pay out.

Auto insurance for young drivers is very costly. You can save some money by choosing the right kind of car for your teenager to drive. Prepare to pay through the roof if you allow your teen to drive the Mustang. If, on the other hand, you restrict your teen to the most "beater"-like car you own, your premiums will be notably lower.

If you have more than one vehicle, make sure all of your policies are in the same place. This make it much easier to keep track of. More importantly, you might be able to save a little money. The more policies you have with one insurance provider, the more likely you are to qualify for certain deals and discounts.

In order to save money, you should always make sure to tweak your auto insurance policy. When you receive a quote, you are receiving the insurer's suggested package. If you go through this package with a fine-tooth comb, removing what you don't need, you can walk away saving hundreds of dollars annually.

If you plan on buying a new car but want to keep your insurance rates low, buy a cheaper car. The more expensive a car is to repair, the more money your insurer will require from you. You will save money both in buying a lower priced car and in insuring it, keeping it safely in your pocket.

As the article above states, there are many different options when choosing auto insurance. Be sure to carefully consider all of your needs before selecting a policy. It is as possible to be overly-insured and thus wasting money on monthly payments, as it is to be under-insured and liable for expenses beyond your means.

June 23 2014

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Finding Simple Items For Inexpensive Automobile Insurance

You've been looking all day long for good tips about auto insurance but have discovered nothing people so far. It can be frustrating because there are many unverified information out there. Pay close attention to the guidelines provided in this article and you should find a good amount of good information to assist you on your way to just as one expert about the subject.

The best place to come across low cost car insurance is www.cheapcarinsurance.com.

If you are looking for car insurance, it is critical to understand the several types of coverage. There can be many factors included in the cost of getting insurance plan for your vehicle. Make sure your insurance covers legal costs along with death or injury claims for anyone who is involved in a negative accident.

To make sure your insurance covers you like it should, be sure to know how to file an incident and keep the paperwork related to your insurance policies handy. When something happens, do not wait to file claims. Contact your insurance straight away so that they can help you out quickly.

Save money by evaluating your car or truck insurance needs and improve your personal finance. The more your automobile costs, the more your insurance will definitely cost. With so many variables in insurance plans, choosing what you need versus not needing can be tough. However, one that you might want to consider cutting could be the collision damage part. If your car or truck is in bad shape then there's obviously no requirement to have that form of coverage.

Having multiple drivers on one insurance policy is an excellent way to save money, but having multiple drivers of one car is surely an even better way. Instead of opting for multiple automobiles, have your loved ones make do with one car. Over the life of your policy, it will save you hundreds of dollars by driving the same vehicle.

Extra Content auto insurance prerequisites.

June 21 2014

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Comparing Effective Solutions For Affordable Vehicle Insurance

If you are a motorist, you almost certainly already know that having good automobile insurance is a necessity. However, you need to if a certain automobile insurance plan is the most appropriate one for you? Reading this article and taking advantage of these tips will assist you to make that determination.

When insuring a teenage driver, reduce your car insurance costs by asking about all of the eligible discounts. Insurance companies generally have a discount forever students, teenage drivers with good driving records, and teenage drivers who may have taken a defensive driving course. Discounts can be found if your teenager is merely an occasional driver.

Most student drivers pose a higher risk to car insurance companies as their age bracket is statistically involved with more accidents, but students can combat this through making the honor roll. Students with a's and b's are unlikely to get when driving of their cars drunk or having taken drugs, and insurance firms know this.



Your teenage driver's insurance will set you back much more than yours for quite a while, however, if they took any formalized driving instruction, be sure to mention it when searching for a quote or adding the crooks to your policy. Discounts are generally available for driving instruction, however, you can get even bigger discounts in case your teen took a defensive driving class or another specialized driving instruction course.

When you are considering accessories for the car, make sure you consult your insurance agent in regards to how these accessories will affect your coverage. You may spend about a grand on new rims to your car, in case an appraiser values them much lower the difference between your amounts will probably be lost if the car is stolen.

In case you want to realize affordable car insurance immediately then pay a visit to www.cheapcarinsurance.net.

Additional Expertise automobile insurance.

Tags: insurance

June 16 2014

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America's Money: Walmart to Offer Car Insurance | Video



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June 15 2014

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U.S. auto insurance practices might hurt low-income earners: report



Using a survey conducted by market research firm ORC International, the CFA said about two-thirds of Americans think the use of education and occupation to set insurance rates is unfair.

By Matt Haldane

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Auto insurance is required to own and operate a vehicle in all U.S. states except New Hampshire.

Progressive Corp., which had the second-highest difference in premiums, was found to charge the factory worker 33 percent more in Baltimore and 8 percent more in Oakland, California.

However, Robert Hartwig, an economist and president of the Insurance Information Institute, an industry group representing insurance companies, said dozens of factors go into determining insurance rates, each correlating with risk.

The CFA plugged information about a fictional person into each company's website to get a quote, changing only education level and occupation to see the effect on rates. Five of the insurance companies were found to collect such information.

Hartwig also said the use of so many different models was a sign of a competitive market. A market in which all companies used the same variables would result in uniform pricing, he said.

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Hartwig defended the use of correlation, saying it was what insurers and actuaries typically use because causation might never be known.

"The quoted prices, especially the nine exceeding $2000, show that insurers either are overcharging lower-income consumers or are not interested in serving them," Bob Hunter, the CFA's director of insurance, said in a statement.

Insurance regulation is usually at the state level. But Stephen Brobeck, executive director at the CFA, suggested it is not a big enough concern for state officials and said he hoped attention from consumer advocacy groups would change that.

Factors such as age, gender and credit ratings are also used because they have been found to correlate with the frequency or size of claims, according to the III's website.

WASHINGTON Mon Jul 22, 2013 6:32pm EDT

In some cases, premiums for minimum-liability coverage exceeded $2000 and in one instance, in Baltimore, it was more than $4000, from Travelers Insurance.

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The organization said the Federal Insurance Office, an agency born out of the 2010 Dodd-Frank financial regulatory reform law, might be able to change how insurers determine rates.

Common practices that the CFA agreed should be used for setting rates include a person's past driving record and miles driven. Location and type of car are also often used because they can increase the cost of a claim.

The report, released on Monday, looked at premiums set by the 10 largest auto insurance companies in 10 urban areas across the United States.

"Why would an insurer collect data that is not useful?" Hartwig asked. "These factors are used for one reason and one reason only, and that's to ascertain risk."

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Since education and occupation have been found to correlate with race, the CFA said the practice of using such factors is discriminatory.

He added that the CFA also opposes the use of credit ratings because it discriminates against low-income earners.

Officials at Travelers were not immediately available to comment.

But the CFA said that while such factors may indicate correlation, they do not necessarily indicate causation.

The report found that Geico, part of the Berkshire Hathaway group of companies, charges more in six of the analyzed markets for a factory worker with a high school diploma than for a factory supervisor with a college degree. The rate could be as much as 45 percent more in Seattle or as low as 20 percent more in Baltimore.

(Reporting by Matt Haldane; Editing by Dan Grebler)

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WASHINGTON (Reuters) - Several large U.S. auto insurance companies use education levels and occupation to set rates, effectively pricing some low- and moderate-income earners out of the market, according to a report by the Consumer Federation of America.

"Many of the insurance commissioners and the departments are not sensitive enough to the needs of the insured, particularly for low- and moderate-income drivers in their states," Brobeck said on a conference call.

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June 14 2014

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What would you do for a car insurance discount?



(MoneyWatch) How far would you go to get a discount on your auto insurance? With premiums that cost the average consumer about $1,600 annually, it appears there isn't much some consumers wouldn't do to cut their rates, according to a survey of 500 drivers done by CarInsurance.com.

© 2013 CBS Interactive Inc.. All Rights Reserved.

39 percent would allow them to install a data-monitoring device.

20 percent would allow the insurer to install a camera to observe them while they drove.

But discounts may not be the main factor in getting a better rate. Factors like keeping a good credit score and getting married are likely to cut your auto insurance costs far more dramatically. If you're among the many who are apparently willing to go to great lengths to cut your auto insurance rates, even if it means getting married... well, Mazel tov.

37 percent would allow the insurer to disable their cell phone while in the car.

Specifically:

27 percent would let the insurer severely limit how far they could drive.

28 percent would let the insurer restrict their speed.

64 percent would allow the insurer to install a breathalyzer.

24 percent would allow the insurer to decide what hours they could drive.

Of course, while some insurers will give you a discount for allowing them to plug a data-monitoring device into your vehicle, most of these discounts don't exist, according to CarInsurance.com. There are, however, plenty of discounts that you can get for simple activities like sticking with the same insurer for several years, or buying both a home and auto policy from the same company.

June 13 2014

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Long-term care insurance - Ultimate Guide to Retirement



A long-term care insurance policy doles out money to help cover the costs of nursing-home care, an assisted-living facility or at-home assistance if you are no longer able to take care of yourself.

The allure of long-term care is obvious: It's the rare bird (or baby boomer) who doesn't worry about how he or she will afford care later on. And if you're counting on Medicare, you're out of luck. Medicare doesn't offer extended long-term care coverage. (Medicaid does, but only very low-income retirees are eligible.)

Long-term care insurance is very expensive - the annual premium can easily be $2,500 or more a year - and many insurers have jacked up initial premiums by 20% or more over the past decade. (For more, see How much will a policy cost me?)

June 12 2014

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Village of Oakley eyes self-insurance as July 1 insurance cutoff now weeks away

Clerk Cheryl Bolf told the group of about 30 residents in attendance that the village has not secured an insurance plan, but she is working with attorneys to find a solution.

OAKLEY, MI -- With less than a month until its liability and property insurance is set to expire, the village of Oakley is trying to secure coverage or decide what to do if the date comes to pass.

The issue was complicated because Village President Doug Shindorf was not at the meeting. He has been at Sparrow Hospital in Lansing fighting his own battle after he was diagnosed with leukemia in May.

Another resident, Cozy Milbrant, asked why Dennis Bitterman can sue the village and said she believes it is a "conflict of interest" for him to do so. Bitterman is on the Village Council.

The June 10 meeting began with a 15-minute argument between resident Elaine Perkins and board member John Lorencz about who should be cutting grass. Perkins complained that Lorencz informed her husband, Kenny Perkins, the village's public works employee, that Lorencz would take on the duty.

The Michigan Municipal League cited both items as reasons for the insurance cut-off in an email sent to The Saginaw News in May:

-- Brad Devereaux is a public safety reporter for MLive/The Saginaw News. Follow him on Twitter, Facebook and Google+ 

"How come someone is not being held accountable?"

Elaine Perkins complained that her husband has been cutting the grass for years and that it is not a board member's job to instruct village employees.

The board heard complaints and questions about how the village is operating while facing the impending cut-off and what will happen if they can't find insurance by the July 1 deadline.

Self insurance "wouldn't cost us anything" unless something happens that requires the village to pay for it, including the cost to defend the village against any future lawsuits. 

It is one of many small issues the village is dealing with as it looks to save money and continue operations with the expected insurance shut-off.

Those costs would come out of the taxpayer-funded village budget, she said.

It's a story The Saginaw News broke in late March in a series called "Small Town, Big Problem."

Village President Pro Tem Sue Dingo explained that when attorneys advised village officials they could not allow people to work for free, they changed their stance on the issue.

"There's just no answer," Dingo said. "If you think that's hard on you, you should be up there with us."

She has been in discussions with attorneys about how self-insurance would operate but said the village would be responsible for anything that happens related to village equipment or personnel. She said the village will have worker's compensation coverage.

"Maybe they'll paint the Village Hall," he laughed when asked if there was anything the officers could do without insurance coverage.

"I was told the reasons were because lawsuits and because Chief (Robert) Reznick did not comply with who he needed to, to be insured," he said. "I still haven't gotten an answer, for him not doing that we lost our insurance? True or not? That's true.

Bolf explained that Reznick was not informed by the Michigan Municipal League that he was not in compliance before the league sent a notice that the village would lose insurance coverage July 1. 

In a past interview, Shindorf said police officers may have to "sit in the village office" because they won't be able to patrol the village without liability insurance coverage.

Since 7-1-2010, the Village has incurred seven claims and the Pool has incurred $4.51 for every dollar of premium paid to the Pool. Five of these claims occurred in policy year 2012 and four of the five were under the coverage of Public Officials Liability (wrongful acts).

The decision to non-renew the Village of Oakley was an underwriting decision based on the Village's claim frequency and the Village of Oakley Police Department's lack of cooperation and commitment with MML Liability & Property Pool risk management efforts.

Bolf argued that the village is losing its insurance because of lawsuits levied against the village and its officials. 

Resident Reynaldo Rodriguez, 44, said he has asked why the village lost its insurance at the past meetings and still is not satisfied with the answer after asking about again at this week's meeting. 

"Kenny's got his job back," Dingo said.

Reznick told The Saginaw News in a past interview that someone from the Michigan Municipal League told him in 2008 the agency was not a fan of the idea of a large police reserve force. Reznick claims he had not heard from the agency until it sent a notice of insurance non-renewal in 2014.

"If anything happens, the village has to pay for it," Bolf said. "We have no options. We have no insurance. What should we do?"

Lorencz said Shindorf told him he could cut the grass if he volunteered without pay. Other board members have since learned the village cannot operate that way. 

"We'll be self-insured by then," she said, adding she is working with attorneys to develop a form that could be signed for people wishing to rent the Village Hall that would relinquish the village from liability in case of incident or injury. 

She said Reznick was not able to meet with someone from the league who requested a meeting in the past, and that was the only time he may not have been in compliance. 

If the village cannot find an insurance carrier that will take it on, its only option will be to self-insure, Bolf said.

After an explanation, Dingo said Perkins should continue to cut the grass and Lorencz should relinquish the job.

Answering a question about what will happen July 1 if the village has no insurance, Bolf said, "the village keeps on going."

June 11 2014

nonchalantcreas22

Car Insurance: Hidden Discounts Revealed

HT car insurance discounts nt 130701 Car Insurance: Hidden Discounts Revealed(Image credit: Bankrate)

Bankrate found that 10 major car insurance carriers provided a discount for having multiple policies with that carrier. Eight of the 10 major insurers charge less for paperless billing.

Not all the discounts are clearly advertised, some of which can be found in question-and-answer sections or blog posts, said Whiteman. Some discounts are particular to certain states or by location. For example, some carriers offer discounts to young drivers attending school at least 100 miles from home, which is known as a distant student discount.

And there are even more discounts that Bankrate did not track, Whiteman said. Some carriers might have discounts for new parents, or those who own a home.

"It's a really good idea on a regular basis to review your car insurance policy, maybe at renewal time," Whiteman said. "Some companies better at advertising discounts than others. In some case you have to talk to someone on the phone."

Car insurance companies are aggressive in boasting about their discounted rates, but which ones offer the most?

Bankrate.com put together a list of 17 discounts that car companies offer, such as a discount for having an anti-theft device for your car or being a member of the U.S. military. Of the 10 companies studied, Farmers offered the highest number of discounts at 16.

gty car accident mi 130701 33x16 608 Car Insurance: Hidden Discounts Revealed(Image credit: Getty Images)

"The idea is  if your kid is away from school, he or she is much less likely to be driving the family car, so you can get a break on your insurance," Whiteman said.

"The cost of car ownership isn't getting any cheaper these days, and gas prices are stuck above $3 a gallon," said Bankrate's insurance analyst Doug Whiteman. " It's important to get whatever discount you can."

Here's Bankrate.com's cheat sheet for car insurance discounts you may be missing:

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Jul 2, 2013 6:01am

June 10 2014

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6 Ways to Expedite Your Car Insurance Claim



After an Accident:

Follow Tim Chen on Twitter: www.twitter.com/nerdwallet

4. Austria - Up 11.04%



File the Proper Documentation

Review your auto insurance coverage each time you renew. Laws change from state to state and it's important to stay informed. Make use of online tools to easily compare insurance rates and find the best carrier. Fortunately, if you're current on your policy and thorough about your record-keeping, during and after an accident, you should be back on the road again as quickly as possible.

1. India (Delhi) - Up 33.33%

Hopefully, you've kept the documentation that came with your policy. But if not, or if you don't understand it, contact your insurance company. This can prevent you from taking unnecessary chances with your car, such as allowing a friend to drive it, filing for uncovered damages -- or worse -- filing too late. The last thing you want is to file and then be denied because you waited too long.

Never let another driver talk you into not calling the police at the scene of an accident. Once you've contacted the police, all parties involved should wait until they've been interviewed, and until the authorities have cleared them to leave. If for some reason you didn't call the police, and you plan to make a claim on your insurance, you must file a report as soon as possible, make copies and send one to your adjuster. Not having a report will hold up your claim. Also, if you didn't file a claim right away, it may raise questions with your carrier.

3. Estonia - Up 13.9%

5. Philippines - Up 10.68%

Before an Accident:

9. Norway - Up 6.3%

Final Word:

10. South Korea - Up 5.8%

You should file the paperwork provided on your insurance carrier's website as soon as possible. Make sure you have all information from every person involved in the accident, witness statements, police reports, photographic evidence and anything else as stipulated by the claim form. This will prevent your adjuster from having to follow up with you, dragging out your claim.

6. Iceland - Up 8.82%

7. Turkey - Up 7.93%

File a Police Report

Make sure you have proof of all the costs related to your accident, including medical bills, estimates or bills from your auto repair shop, or anything else as instructed by your claims adjuster. Check with your insurance carrier if you have any questions. A good rule is to keep everything even if you are unsure. This is especially true if you think you might become involved in a lawsuit.

8. Russia - Up 7.88%

Be Organized at the Scene

Know What Your Policy Covers

If you are in an accident, it's easy to forget the steps you need to take. Luckily, most insurance companies have a list printed on the back of their card. Aside from calling the police, you should take note of the names of each driver and eyewitness -- as well as their personal information, including addresses, phone numbers and license plate numbers. You should also seek medical attention, if necessary. If possible and only if it can be done safely, have a witness take photographs.

2. Brazil (Sao Paulo) - Up 25.54%

Have the Right Tools on Hand

In an Accident:

No one ever wants to get into a car accident. But fortunately, filing a car insurance claim is easier than you may think. With the right paperwork and a thorough understanding of your insurance policy, you can even expedite the process. While specifics of your damage -- and whether you sustained personal injuries -- will affect how long it takes to get your check, physical damage claims usually take a week or two. More minor repairs, including fixes to glass, can be processed within days. These six tips will help you take care of your end of the bargain.

Keep All of Your Receipts

Always keep your insurance card in your glove box and a copy in your wallet. Beyond that, it's best to have a writing pad and several pens or pencils available in your car, in addition to your cell phone or a camera. These items will help to collect the proper documentation, should you need to file a claim. It's also a good idea to have a kit ready, including warning lights or a hazard triangle, fire extinguisher and a first aid kit for any small cuts or burns.

June 09 2014

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J.D. Power Reports: One in 10 Canadian Customers Switch Auto Insurance Carriers



Overall Customer Satisfaction Index Scores

749

3

736

748

3

778

(Based on a 1,000-point scale)

2

TD Insurance

2

Dominion of Canada

4

 

Johnson Insurance

2

J.D. Power.com Power Circle RatingsTM

746

 

For Consumers

5

2

5

The Personal

Quebec

Note: Included in the study but not ranked due to sample size are Primmum and Zenith Insurance.

 

Overall Customer Satisfaction Index Scores

 

The 2014 Canadian Auto Insurance Satisfaction Study is based on responses from nearly 9,910 auto insurance policyholders. The study was fielded in January and February 2014.

745

Wawanesa

4

778

 

3

5 - Among the best

2

3

729

3

740

4

 

 

Customer satisfaction in Alberta averages 744, down 3 points from 2013. Co-operators ranks highest in customer satisfaction in Alberta with a score of 782. Alberta Motor Association ranks second (770), followed by Johnson Insurance (754).

Intact Insurance

 

747

(Based on a 1,000-point scale)

CAA Insurance Company

 

801

Aviva Insurance

753

740

 

Gore Mutual

Co-operators

Quebec Average

3

 

Intact Insurance

The average growth rate among all insurers included in the study is 4 per cent. The largest growth rate is 24 per cent, while the largest attrition rate is 11 per cent.

Aviva Insurance

Study Rankings

2

Johnson Insurance

For Consumers

For Consumers

J.D. Power.com Power Circle RatingsTM

798

Wawanesa

Ontario Average

Customer satisfaction in Quebec improves 2 points in 2014 to 804. In Quebec, The Personal ranks highest for a second consecutive year, with a score of 837. La Capitale ranks second (821) and Desjardins General Insurance (805) third.

Aviva Insurance

Desjardins General Insurance

Power Circle Ratings Legend

734

"Even the largest national insurance companies have limited awareness," said Jeremy Bowler, senior director of the insurance practice at J.D. Power. "Some of the big carriers may be well-known in one city or province, but have little or no awareness outside of that market. To grow their business, they need to build brand awareness, which traditionally requires significant advertising investment."

719

 

Note: Included in the study but not ranked due to sample size are Allstate, Canadian Direct, Dominion of Canada, Economical Insurance, RBC Insurance and State Farm.

 

4

3

 

3

Across the three provinces in the study, overall customer satisfaction drops to 758 in 2014 from 766 in 2013. Declines in satisfaction with claims (-29 points), interaction (-13) and billing and payment (-12) account for the majority of the year-over-year drop. Price is the only factor in which satisfaction improves.

Grey Power

3

770

TORONTO--(BUSINESS WIRE)--One in five auto insurance customers in Canada have shopped for a new insurer in the past 12 months and 9 per cent have switched, according to the J.D. Power 2014 Canadian Auto Insurance Satisfaction StudySM released today.

767

About McGraw Hill Financial

3

4

Desjardins General Insurance

800

747

3

TD Insurance

3

Alberta

754

782

Belairdirect

3

805

793

La Capitale

Overall Customer Satisfaction Index Scores

Alberta Average

794

L'Union Canadienne

773

5

3

RBC Insurance

777

 

Note: Included in the study but not ranked due to sample size are Allstate, Promutuel, SSQ General and Wawanesa.

Once an insurer wins a new customer, every touch point they have with that customer is crucial and can be the difference between a loyal customer and a defector. Study findings show that the three most critical touch points are the annual or semi-annual renewal notice; when a customer contacts their insurer for non-claims-related reasons (62 per cent of customers have contacted their insurer either directly or through an agent in the past 12 months regarding a non-claim-related issue); and when a customer files a claim (12 per cent of customers filed an auto claim in the past year).

4

Economical Insurance

 

The Personal

750

821

4 - Better than most

3

 

National Bank Insurance

Regional Rankings

763

2 - The rest

Intact Insurance

2

744

www.mhfi.com

3

The study, now in its seventh year, measures insurance customer experiences with their primary auto insurer in Canada. Customer satisfaction is measured across five factors (in order of importance): interaction; price; policy offerings; billing and payment; and claims. Insurers are ranked in three provinces: Ontario, Alberta and Quebec.

TD Insurance

 

Allstate

Ultimately, each insurance company conquests less than an average of 1 per cent of customers shopping for a new insurance policy. Brand awareness limits most carriers' ability to attract shoppers, as they typically limit their search to an average of only 1.5 quotes.

RSA

3

749

5

J.D. Power.com Power Circle RatingsTM

 

Price, historically a key differentiator among insurance companies, is having less impact on overall customer satisfaction. Price satisfaction is highest in Quebec, primarily because the government insures against injuries to people, thus bodily injury coverage is not required for vehicle owners, keeping premiums lower than in other provinces. In Ontario, auto insurance is regulated by the Financial Services Commission of Ontario, which in 2013 implemented its Auto Insurance Cost and Rate Reduction Strategy, contributing to an increase in price satisfaction of 6 points (on a 1,000-point scale).

837

 

3

 

734

Industrial Alliance

http://www.jdpower.com/about-us/press-release-info

State Farm

752

804

3

Alberta Motor Association

KEY FINDINGS

Ontario

3

Customer satisfaction in Ontario averages 749, down 7 points from 2013. Belairdirect (784) ranks highest in Ontario, followed by CAA Insurance Company (778) and State Farm (773).

Belairdirect

784

3

725

Co-operators

3 - About average

About J.D. Power and Advertising/Promotional Rules

(Based on a 1,000-point scale)

June 07 2014

nonchalantcreas22

Blue Cross Blue Shield, Blue in the Face Over Health Insurance

CLICK HERE to go to The ABC News Fixer homepage

At first, I was going to apply $250 of my subsidy credit and have a premium of $345 - but I later called back to change it and use the entire $286 subsidy, making my premium $309.

Meanwhile, I tried to get my medication, and the pharmacy told me I'm not covered. I called BCBS and they were able to get the pharmacy to supply my medication. But one month later, I am back where I started - BCBS says I never paid them the $345 I don't owe, and the pharmacy doesn't think I'm covered.

As for other consumers who qualify for health insurance subsidies available to people with incomes at 100 to 400 percent of the federal poverty level (currently $11,490 to $45,960 for an individual), whether you want to use your entire subsidy up front may depend on what you expect your income to be this year. If you earn more money than expected, you may have to repay some of the subsidy at tax time.

The Kaiser Family Foundation has an online subsidy calculator here. For general info, check out HealthCare.gov.

I have called several times and can't fix this. The buck keeps getting passed around. Help me. I work three part-time jobs and cannot spend hours on the phone every day.

Dear ABC News Fixer: I purchased insurance through my state health insurance marketplace with Blue Cross Blue Shield of Illinois.

Everything seemed all right until I received a billing statement saying I owe $345. I called, and the BCBS rep told me to just send a check for $309 and attach a note explaining that I decided to use my whole subsidy. I did that, and BCBS cashed my check.

Dear Renate: Clearly, you needed to put a stop to this, and with the help of a Blue Cross Blue Shield of Illinois spokeswoman, we were able to get you on the right track.

Got a consumer problem? The ABC News Fixer may be able to help. Click here to submit your problem online. Letters are edited for length and clarity.

As for the problem with your premium, BCBS told us it hadn't yet received your updated subsidy amount from the Department of Health and Human Services. The most recent amount they'd received was $250, paid by HHS on Jan. 21, Schultz said. They've put you in touch with a caseworker and expect to have the numbers fixed soon; you were told it would take about 30 days. Let us know if you hit any more snags.

Spokeswoman Mary Ann Schultz was able to first get you reinstated in the Prime Prescription program so you could get your medication. So that's fixed for now.

Follow The ABC News Fixer on Twitter

- The ABC News Fixer

- Renate Galgano, Niles, Ill.

nonchalantcreas22

Should I Buy Gap Insurance If I Lease a Car?



This work is the opinion of the columnist and in no way reflects the opinion of ABC News.

Read more on Bankrate: 5 savvy shopping tips on car gap insurance

In many leases, gap insurance is built into the contract, so check your agreement carefully to determine whether it is included in yours. Keep in mind the term "gap insurance" may not be used in the contract, and a more general term such as "lease coverage" might be used instead.

Keep in mind that the "gap" is constantly fluctuating as you make your monthly payments and as the car depreciates. So you definitely won't need the coverage for your entire lease period. You may only need it for a few months, depending on how good a deal you negotiated.

Dear Katherine,

-- This embed didnt make it to copy for story id = 20614845.

Read more on Bankrate: 8 car maintenance moves to make

If you don't have gap insurance coverage built into your car lease contract, then you may want to add it to your current auto insurance policy or purchase it separately. A general rule of thumb is that a car loses about 10 percent of its Manufacturer's Suggested Retail Price the moment you drive it off the lot. So compare your total cost -- including taxes and everything you rolled into the lease -- to the car's MSRP, and see if you have a "gap" from the start.

Read the original story on Bankrate.

By rolling all the costs associated with the car into the monthly lease payment, it is certainly possible that you would owe more than the car was worth if you experienced a total loss soon after your lease began. Gap insurance -- insurance which bridges the gap between what a car is worth and what you owe at the time of the loss -- would provide you the protection you are seeking. However, you may not need to buy it.

Dear Driving for Dollars,

-- Katherine

I'm getting a great deal on leasing a new car with a monthly payment based on a price that is slightly below the car's invoice. I've read your articles, so I know it's better to roll the down payment into the monthly lease payment because I'll never see that money again if the car is totaled early in my lease. But I'm also going to roll in the taxes, title and other fees. Do I need to buy gap insurance to cover myself?

June 06 2014

nonchalantcreas22

Bad credit can almost double your car insurance premiums



"About 40% of every consumer's bottom line score will be driven primarily by whether or not you paid your credit obligations on time," said Larmont Boyd of Fair Issac Corporation says on credit-based insurance rates.

And drivers with median credit scores were found to pay 24% more, the report found.

Related: How income inequality hurts America

Insurers assess drivers using a special scoring model that is different than the one mortgage lender use. Instead of looking at your ability to repay a debt, this score aims to predict your likelihood of incurring future insurance losses, explained Laura Adams, an analyst at InsuranceQuotes.com.

Basing car insurance rates off of credit scores is a controversial practice. Opponents say credit-based insurance rates are unfair because they largely and negatively affect low-income drivers. However, supporters say the scores benefit those with good credit.

A 2005 report from the Government Accountability Office found that a majority of Americans did not know their credit score could impact their insurance rates.

Credit scores are one of many factors that insurers use to determine a driver's premiums. Other variables include age, gender, driving records and past insurance claims.

Related: Great credit score? Think again

California, Massachusetts and Hawaii have banned insurers from using credits scores to determine rates.

bad credit drivers

Based on data from six large insurers from across the United States, InsuranceQuotes.com found that drivers with poor credit pay as much as 91% more than people with top credit scores.

Like regular credit scores, the insurance score is based on reports from credit bureaus and still takes into account things like late payments, outstanding debt, bankruptcies and new applications for credit.

"Responsible habits, such as paying your bills on time and minimizing debt, pay off in many ways, including paying less for car insurance," said Adams.

First Published: October 29, 2013: 7:00 AM ET

InsuranceQuotes.com adds that 97% of insurance companies have been referring to credit-based insurance scores for more than a decade.

NEW YORK (CNNMoney)



June 05 2014

nonchalantcreas22

Research and Markets: Retailer Payments, Banking, Insurance and Assistance in Canada

whether they promote mainstream banking products such as general-purpose personal loans, mortgages and savings accounts and, if so, the partners that they co-operate with.

whether they offer their own credit, debit or prepaid cards and, if so, the card issuers that they work with in this context if they do not issue the cards themselves;

to monitor the activity of key competitors in retailer financial services including Canada Life, Canadian Tire Bank, Chase, Desjardins and President's Choice Bank;

As well as examining their initiatives in payment cards, banking products, insurance and assistance, the study also examines their involvement in proprietary and coalition loyalty programs, and details the online payment mechanisms accepted by those with an online sales capability.

to appreciate the range of online payment choices open to consumers in Canada who buy products and services through the websites of major retail groups.

DUBLIN--(BUSINESS WIRE)--Research and Markets (http://www.researchandmarkets.com/research/2ww86k/retailer) has announced the addition of the "Retailer Payments, Banking, Insurance and Assistance in Canada" report to their offering.



Among other data points, the report and PartnerBASE dataset that accompanies it embrace the following information about the retailers covered:

whether they are linked to one or more loyalty programs and, if so, whether these are proprietary or coalition schemes;

to gain access to a comprehensive source of information that provides detailed insights into the involvement of major retail brands in Canada in payments, banking, insurance and assistance;

Retailer Payments, Banking, Insurance and Assistance in Canada investigates the market for financial services organised by over 200 major retail brands in Canada.

The report and PartnerBASE dataset can be used in the following ways:

whether they make non-card point-of-sale finance available to their customers and, if so, the finance providers that they employ for this purpose;

to evaluate the extent to which consolidation among conventional banks is opening up opportunities for new retailer banks to emerge as consumer champions;

to understand the potential in Canada for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;

June 03 2014

nonchalantcreas22

Millions More People Are Getting Health Insurance Because Of Obamacare, Survey Finds



The survey adds that thanks to shifts caused by circumstances like job and marital status changes, the study cannot pinpoint which shifts were specifically driven by Obamacare's arrival. But limited conclusions can be drawn, including an estimate that the share of uninsured Americans will drop from 20.5 percent to 15.8 percent.

"The good news is that the final chapter on the president's disastrous health insurance takeover has not been written," they wrote. "Conservatives are making a strong comeback with concrete proposals that, if enacted, would create real progress toward better healthcare outcomes for all Americans."

RAND Corporation's numbers arrive one day after Sen. Mike Lee (R-Utah) and Nebraska Senate candidate Ben Sasse (R) penned an op-ed in the Washington Examiner, warning Republicans that there is urgency to create alternatives to Obamacare.

Nearly one week after White House enrollment numbers showed Obamacare surpassing the seven-million mark, an economist-driven survey is projecting more good news for the Affordable Care Act.

RAND Corporation released its findings Tuesday, showing that the health care law is poised to spur a net gain of 9.3 million more insured Americans. The survey results were collected through March 28, 2014, and respondents will be part of a follow-up later in April, once new data is available.

June 02 2014

nonchalantcreas22

Millions More People Are Getting Health Insurance Because Of Obamacare, Survey Finds



Nearly one week after White House enrollment numbers showed Obamacare surpassing the seven-million mark, an economist-driven survey is projecting more good news for the Affordable Care Act.

"The good news is that the final chapter on the president's disastrous health insurance takeover has not been written," they wrote. "Conservatives are making a strong comeback with concrete proposals that, if enacted, would create real progress toward better healthcare outcomes for all Americans."

The survey adds that thanks to shifts caused by circumstances like job and marital status changes, the study cannot pinpoint which shifts were specifically driven by Obamacare's arrival. But limited conclusions can be drawn, including an estimate that the share of uninsured Americans will drop from 20.5 percent to 15.8 percent.



RAND Corporation's numbers arrive one day after Sen. Mike Lee (R-Utah) and Nebraska Senate candidate Ben Sasse (R) penned an op-ed in the Washington Examiner, warning Republicans that there is urgency to create alternatives to Obamacare.

RAND Corporation released its findings Tuesday, showing that the health care law is poised to spur a net gain of 9.3 million more insured Americans. The survey results were collected through March 28, 2014, and respondents will be part of a follow-up later in April, once new data is available.
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