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Sifting through individual New Jersey health insurance plans

Having proper individual health insurance coverage is very important.  In fact, the Federal government recently passed a law that requires American citizens to have personal health insurance.  Those who do not abide by this law are subject to penalty on their Federal Income Tax, and sometimes that can cost thousands of dollars.  Because there are so many choices out there, nobody is blaming you for needing some help to find the right provider.  Sifting through the various individual New Jersey health insurance plans from can be tough, but hang in there.  With this guide, the search is almost over.

Step 1: Know Your Medical History

When you know the issues that you may potentially face in the future regarding your health, you can cut through the mound of options by choosing providers that offer policies for people like you. Your medical history is often examined by underwriters to determine the types of policies you can get as well as the cost of your premium.  Just remember the old adage: “To thine own self be true.”  At no point will you benefit from being dishonest about yourself to insurance providers.

Step 2: Make a Needs-Based Inventory

Along the lines of being honest with yourself, you should also consider the fact that you do not necessarily need full coverage right away.  Most individual New Jersey health insurance plans automatically offer the coverage you need for preventative medical procedures and basic checkups.  In other words, if you don’t need insurance for something serious right now, you might save some money by purchasing a plan that comes with a little less.

Step 3: Get a Few Quotes

Just like when it comes to your health, it never hurts to get a second opinion.  In the case of finding the most affordable individual New Jersey health insurance plans, second, third, and even fourth opinions are useful.  Getting insurance quotes from here is a great way to narrow down your search to a half dozen or so choices.  Just keep in mind that most quotes are merely estimates of the cost you’ll incur for your policy.  Still, you should be able to tell where the better deal is pretty quickly by using them.  In addition, health insurance quotes can change without notice, especially if you become sick in the meantime.  Because of that reason, it’s vital for you to find a policy as quickly as possible.

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Medical Insurance in Michigan is essential

Medical insurance is an essential that every person should consider buying at some point in their lives. This coverage will help pay the expenses for often costly medical procedures and services that would otherwise sap the life out of our funds and finances. While it might seem like a dream to have medical insurance in Michigan, there are certain instances or individuals that will make the process nothing more than a pain in the neck. Insurance fraud is very real and if you want to steer clear of a potentially bogus deal, then you should understand what insurance fraud is all about.

What you Need to Know About Insurance Fraud

There are two types of insurance fraud: buyer fraud and seller fraud. If you’re buying insurance, the type you should be on the lookout for is seller fraud. These are instances where your insurer will rip you off on a deal in order to make bigger profits and commissions. There are three common types of seller fraud, and each one poses a different threat to first time buyers and ill advised insurance shoppers.

  1. Ghost Companies – These are policies that come from companies or insurance agencies that don’t actually exist. In this case, the buyer purchases medical insurance in Michigan and pays the monthly premium only to find out that the company underwriting the policy doesn’t actually exist. Because the people who orchestrate this kind of insurance fraud are usually very skilled with the process of fooling others, many individuals fail to recognize that they’ve been the victim of fraud until they decide to file a claim.
  2. Premium Theft – In this particular seller fraud scenario, the insurance agent or broker does not forward premium payments to the company underwriting the policy, thus rendering the policyholder’s coverage null and void. The adviser pockets the fees until such time the policyholder decides to make a claim only to find out that their insurance coverage had already been pulled out due to non-payment.
  3. Churning – This refers to the instance when an insurance agent advises an insurance policyholder to cancel, renew, and open new policies in order to make more in terms of commissions. Because agents are given more incentives by their company when they’re able to open new policies for their clients, insurance agents that perform this particular type of fraud are more likely to make bigger income at the policyholder’s expense.


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Limitations of Property Insurance in California

People often fall under the impression that their insurance covers them for every peril they can think of. While this can be partially true for some people, property insurance in California will often just cover you for certain agreed situations. To make things clearer, it’s important that an insured individual explore the exclusions and limitations section of their policy. This will help shed light on what they can’t make a claim on and what your insurance doesn’t cover.

Exclusions and Limitations of Property Insurance in California

  1. Exclusions – An exclusion is a condition that specifies what your insurance will not answer for. This usually comes in combination with the stated coverage to give the insured a better idea of what situations the policy will grant claims for. Let’s say, for example, that your property insurance in California includes coverage for injuries caused by items on your property to other people such as guests and visitors. The exclusion will often state that injuries incurred on purpose will not be covered, or that bodily harm taken on the premises by people living there will not be answered for. This will then make it clear that accidental injuries and injuries incurred by residents of the property cannot be made claims for, even if the policy includes personal liability coverage and medical coverage.
  2. Limitations – A limitation is a condition that tells the insured that he or she cannot avail of coverage for a certain situation for a certain period of time. For example, you installed repairs just a month prior to getting your property insurance policy. Your coverage will not grant you a claim for any damages or further repairs needed by that particular upgrade for at least 6 months into your policy. Once the 6 months have passed, your insurance will then grant you financial assistance for repairs to that particular area.


Because exclusions and limitations greatly affect the coverage that an insured individual will be able to make, it is important that these points are written in the clearest possible way. Any disputes on the interpretation of the meanings of these points will be settled by a court judge. Oftentimes, the judge will settle the matter in favor of the insured however grant only the most restrictive interpretation that can be made. Ensure that you and your insurance provider understand each other when it comes to this tricky section of your insurance to avoid any future disagreements.

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South Carolina car insurance mistakes you shouldn’t ever make

south carolina car insuranceMillions of people make major mistakes when it comes time to choose an automobile insurance company to move forward with.

Even worse, many of them end up paying the price for those mistakes to the tune of thousands and thousands of dollars – and then continue to go right on making those same mistakes over and over again.

If you want to be 100% sure that you aren’t making many of the common South Carolina car insurance mistakes out there, you’ll want to pay close attention to the inside info we have for you below.

Shall we jump right in?

DON’T spend 15 minutes hunting for South Carolina car insurance

The worst thing that you can do when shopping for South Carolina Auto Insurance Quotes | is spend 15 or 20 minutes popping around the Internet, looking at different quotes and then moving forward with the one that seems most attractive to you at the time.

Remember, this is an investment of hundreds of dollars each year – sometimes thousands of dollars – and not the kind of decision that you’re going to want to take lightly.

The odds are fantastic that you didn’t spend 15 or 20 minutes choosing your next vehicle or buying it, so why would you take the insurance that protects it any less seriously?

DON’T pay exclusive attention to the price of your South Carolina car insurance coverage

Secondly, you need to look at all the details of the South Carolina car insurance coverage that you are thinking about moving forward with as opposed to just looking at the bottom line price and then pulling the trigger.

A lot of people find bargain basement priced insurance and then jump right on that deal the first chance that they get – and then almost always regret that decision when it comes time to file an insurance claim.

You can’t afford to make that mistake.

DON’T sign ANYTHING until you’ve read all the terms, conditions, and fine print

Lastly (and maybe most obviously) you are going to want to read all of the terms, conditions, and especially the fine print of your insurance document before you sign on the dotted line.

Do not gloss over details, do not ignore “wordy” sections, and make sure that you have any questions or concerns cleared up before you agree to anything. Otherwise, you may end up paying for a South Carolina car insurance policy that really sticks it to you later down the line.

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Arizona auto insurance quotes

arizona auto insurance quotesWhen looking for Arizona Auto Insurance Quotes |, one of the best places to begin is the internet. However, the information that you may find or receive over the internet should not be taken as absolute fact.

Many times you will receive a quote online, but in actuality, it’s more of an estimate of a quote, rather than a straight quote. Online quotes can only calculate so much information, whereas an actual insurance agent can provide hard numbers.

The internet should be used as a tool to narrow down some of the options available, but you should always speak with an agent in person or over the phone to receive an accurate quote, that you can compare to other insurance companies.

For new drivers, they should see if they can be covered under their parents policy or by the same insurance company. This can often results in cheaper rates for new drivers.

Like much of the country, prices for auto insurance in Arizona can vary by a range of different factors like your vehicles make, model, where it is stored, the year of the car, your age and driving record. Unlike some other states, Arizona insurance is also able to look at your credit report, which can have an impact on your premium or ability to get coverage.

Depending on your economic situation, it could be much more beneficial in the long run to purchase an older used non-luxury car, so that your premium will be lower.

While auto insurance is mandatory by law, there’s no law which states an insurance company must provide you with coverage. If an insurance company deems you to be a liability, they can flat out deny you coverage or terminate your existing coverage. This makes having a clean driving record with a good credit score very important to keeping yourself on the road and paying a lower premium.

There are a lot of ways to lower your premiums depending on your insurer, it’s always a good idea to ask your insurance company what kind of discounts they offer. Multiple vehicles policy is a simple one, that most new drivers are afforded under their parents. Safety features and anti-theft are two other kinds of discounts available from most insurers.

Another trick for lower insurance is to take a higher deductible. Most companies will lower your premium, if you take the higher deductible cost. However, if you do get into an accident, make sure you have the money to pay the deductible.

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Illinois Homeowners Insurance

Illinois Homeowners InsuranceUnderstanding the coverage that you are getting from your Illinois homeowners insurance is extremely important as some companies may not automatically include some coverage options on a basic plan. When you look at your policy, you may find that there are some coverages that may not make much sense or notice that certain elements of that coverage are not included in the coverage option that you have. This can lead to a few problems if something occurs to your home or possessions and you try to make a claim on something that isn’t included in your policy.


There are many types of coverage, but not all coverage options are made equally. You may want to read the fine print on each coverage option that you have included in your policy. Some policies will exclude certain occurrences like flood, earthquake, or tornado due to the either excessive occurrences of these incidents or the lack there of.

Coverage Breakdown

For many, the types of coverage offered for homeowners insurance from someone like can be a little confusing but really it can be easy to understand once properly explained. Dwelling coverage will pay for the damages to your house and any structure that is attached to your house including fixtures. This means that plumbing, electrical, heating, a/c, and so much more is covered if damaged. Other structure coverage will pay for damages to things like fencing, sheds, detached garages, guest houses, and other buildings that are not directly connected to your home. Personal property coverage will reimburse you for damage to your possessions like your electronics, furniture, and clothing. Oddly this coverage even insures these items when they aren’t in your home as well like in a storage unit or with your kids at college. Loss of use coverage will take care of your living expenses when your home is being repaired such as hotel or food. Personal liability takes care of any financial losses that you incur due to a law suit if someone gets hurt on your property. And finally medical payments coverage will take care of the medical bills for those who are hurt on your property or by your pets. Choosing the coverage that is right for you can be one of the easiest things to do when shopping for your homeowners insurance, however making sure that all your bases are covered can be the hard part since you cannot tell the future.

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Streamline your New York car insurance claims process

new york car insuranceAll of us are likely going to have to deal with a New York car insurance claim at some point in time if we drive the roads of this great state for any length of time, and most of us are going to have a bit of an uphill struggle trying to make heads or tails of the process.

It’s not that New York Auto Insurance | companies purposefully over complicate the claims process, it’s just that there are so many different layers to the process that it’s naturally going to become pretty convoluted and more than a little bit difficult to keep track of.

Hopefully you’ll be able to use a couple of the tips and tricks that we include in this quick guide to help you streamline the claims process significantly, giving you the opportunity to rapidly move through the different components of this process to get you back on the road – and fixed up – with as little headache and hassle as possible.

Let’s jump right in!

Document absolutely everything

The very first thing (and maybe the most important thing) for you to do throughout this process is to keep records and to document absolutely every single step of the way, with as much depth and context as you reasonably can.

The more information that you’re able to collect, the more likely you are to speed up the New York car insurance claims process – and the more likely that you are to enjoy the kinds of results that you were hoping to take advantage of.

Prepare as much information ahead of time as possible

It’s also important that you prepare as much insurance information, fill out as many New York car insurance documents, and request copies of any and all official reports as you can ahead of time.

The less work that you make for your New York car insurance company, the better off if you are going to be – if for no other reason that you’ll streamline the entire process for them, and they’ll be able to effortlessly move through the process.

Consistently keep after your New York car insurance company until you get the resolution you’re after

Finally, you need to keep after your New York car insurance company consistently until you reach some sort of resolution. There is a tendency (especially in a state as populated as New York is) to let things kind of slip through the cracks, and unless you want to stretch out your insurance claims process you need to stay on top of the situation while still remaining respectful.