tag:blogger.com,1999:blog-39597476978401663332024-02-20T08:11:50.713-08:00Auto InsuranceInsurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed and known small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium.Unknownnoreply@blogger.comBlogger102125tag:blogger.com,1999:blog-3959747697840166333.post-79315010718356066222010-08-21T11:42:00.000-07:002010-11-09T03:52:41.243-08:00Multi-Car InsuranceIf you have two or more cars in your household it could be possible to save money with multi-car insurance. While web doesn't currently offer a comparison of multi-car policies we still want to make our customers aware of all the car insurance options available. So, just what is multiple car insurance and how does it work?<br /><br /><span style="font-weight: bold;">How does multi-car insurance work?</span><span class="fullpost"><br />Multi-car insurance allows you to insure more than one vehicle with a single policy. With some providers you may be able to insure as many as five vehicles as long as all of the vehicles are registered to the same address. This means that you could potentially insure cars on the same policy for you, your spouse, your children, or even a friend, as long as you live in the same household.<br /><br />In theory a multi-car insurance policy can help you save money. This is because you are effectively bringing more business to the insurer and simplifying the bills - just as a broadband provider might reward you with savings if you tie in a phone or TV deal, multi-<a href="http://insurancematic.blogspot.com/">car insurance</a> applies the same theory to vehicles. It's almost like buying insurance in bulk.It doesn't always work out cheaper than buying policies individually however, so it's worth investigating both options.</span>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-10088422518893612562010-08-18T12:12:00.000-07:002010-08-19T10:06:21.679-07:00Score a bonus offer with your car insurerThat offer a discount for purchasing car insurance online. However there are other companies that have started offering more. RateCity shows you some of the perks currently available.<br /><br />Times are a-changing, so much so that even purchasing car insurance is no longer a dull experience. Gone are the days of buying your car insurance and then not thinking about it till you have an accident or you need to renew it.<span class="fullpost"> As new players from a range of sectors other than just insurance companies join the car insurance market, some are offering perks to entice customers to take up their product and service. Not only does this differentiate them from competitors but it also means that you as a customer get more for your buck! Here are some examples.<br /><br /><span style="font-weight:bold;">Coles Car Insurance</span><br />At the end of July the retail giant Coles expanded their business to offer car insurance nationwide. As part of their offering, customers who purchase Coles <a href="http://insurancematic.blogspot.com/2010/06/auto-car-insurance-overview.html">Car Insurance</a> can triple their 4 cents per litre fuel voucher once a month for a year. In addition, if customers who take out comprehensive car insurance are involved in a car accident, their groceries in the car will be insured. You can also earn Flybuys points when you purchase a policy.<br /><br /><span style="font-weight:bold;">Virgin Money</span> <br />Another new player in the market is Virgin Money. They are offering new customers who buy comprehensive cover online a free extra month of insurance cover, so they get 13 months for the price of 12. They are also offering their current Virgin mobile phone users a bonus $50 worth of mobile phone credit when they sign up for Virgin Car insurance.<br /><br /><span style="font-weight:bold;">AAMI</span><br />These guys have taken a different approach by offering their customers discount shopping. Their 'always on sale' section on their website offers customers up to 70 percent off select items each month. For example currently they are advertising a Wi-Fi Internet radio unit with an RRP of $199 for $171.<br /><br /><span style="font-weight:bold;">Budget Direct</span> <br />Budget Direct is not shy with promoting a competitive edge and have included as part of their policy that you pay less with them or they will send you $50.<br /><br /><span style="font-weight:bold;"><a href="http://insurancematic.blogspot.com">Real Insurance</a></span> <br />These guys are offering money back to customers that take out comprehensive car insurance with them for three years in a row, at which point they will give you back 10 percent of all premiums you paid during that time if you don't make a claim. They also will repeat this every three years.<br /><br />As other car insurance companies join the market and more offers are being promoted, what does this mean for the future of car insurance? Will we start to see more perks become available to new customers? Let's hope so! And in the mean time if you are in the market for comprehensive car insurance, compare car insurance quotes online to find a lower premium and perks to save you more.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-37339883803403754802010-08-18T11:50:00.000-07:002010-08-18T11:52:37.234-07:00It costs more to insure your car in Sydney than MelbourneRateCity's study on Melbourne comprehensive car insurance premiums could encourage you to compare now before you renew your next policy.<br /><br />When it comes to comprehensive car insurance, almost everyone could be charged a different price. The amount we pay can be determined by our age, the type of car we drive, our driving history and where we live. But the insurance company we decide to trust with our policy is another variable. So when it comes to finding the right provider, does it really pay to compare online?<span class="fullpost"><br /><br />RateCity recently put the spotlight on Melbourne, as part of its bi-annual review on comprehensive car insurance, which showed that Melbourne drivers could be paying $1000 more on average for their comprehensive car insurance.<br /><br />The average cost for Melbourne drivers in the study was $960, which is $174 less than Sydney's average cost of comprehensive car insurance ($1134) for the same driver profile across four different suburbs.<br />The Melbourne study compared 26 car insurance companies across four different suburbs in Melbourne (Doncaster, Seddon, Meadow Heights and Caulfield) with the following results:<br /><br />Meadow Heights paid the highest premium overall with an average cost of $1082.72. It also included the biggest gap between the lowest and highest cost of cover of almost $1500 or 71 percent difference.<br />Drivers in Doncaster paid the lowest for their comprehensive car insurance, at an average of $906.04. The difference between the cheapest and most expensive premiums was $800.10.<br />The cheapest premiums were all from online-based businesses including Bingle, Budget Direct, Youi and The Buzz.<br />The most expensive quotes were from some of the biggest players in the market including AON, Suncorp, CGU and St George Bank.<br />"It is hard to understand how the difference in price for the identical driver profile with the same address can have such varying degrees of car insurance quotes," RateCity CEO Damian Smith said.<br />"But what this means is that there is a lot of money to be saved by most drivers and the easiest way to get the best deals is by shopping around and comparing car insurance online."<br />Smith said features and services may vary between insurance providers so make sure you read the product disclosure statements carefully before signing up.<br /><br />"There are obviously many other features besides price that drivers should think about, and we encourage drivers to look closely at all aspects of an insurer's offering," Smith said.<br /><br />So whether you live in Melbourne or Sydney or any other part of Australia, there is a lot of money you can potentially save by comparing car insurance online.</span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-15319010889879389492010-06-03T11:46:00.000-07:002010-06-30T01:16:35.078-07:00Drivers comparing car insurance online beat rising premiums<div style="text-align: justify;">Car insurance premiums are expected to rise in 2010 as a result of insurers compensating for lost profits in 2009. However, as new competitors enter the market, Australians who shop around for car insurance will be sure to find better offers.<span class="fullpost"><br /><br />Major insurance providers such as Suncorp-Metway and Insurance Australia Group took a beating to their earnings last year after successive payouts for natural disasters claims, resulting from bushfires and heavy storms.<br /><br />With three-quarters of the market share between them, these losses are sure to be felt by customers, who are expected to see car insurance premiums rise by 5 percent in 2010.<br /><br />However, many competitors have fixed their eyes on Australia’s car insurance market, with Virgin Money entering the fray last year. And from the United States, Progressive Direct Insurance Co. is planning to launch its online motor vehicle insurance business to tap into the growing trend of Australians who compare their car insurance and other personal finances on the internet.<br /><br />By focusing on the online market, competitors avoid the costs of directly competing against the insurance giants, meaning that savings made can be passed on to consumers in the form of cheaper rates.<br /><br />More and more people in Australia are using the internet to shop for car insurance, with 68 percent of customers applying online and 75 percent searching for car insurance online, a Google survey found. As this trend continues, we will likely see more drivers purchasing and managing their policies over the net as well. Experts also believe that Australia’s disposition to compare car insurance online will attract many more foreign competitors in the future.<br /><br />A recent study by RateCity showed that many drivers can save up to $800 on their comprehensive car insurance by switching to the most affordable providers. This means that if consumers stay vigilant for offers from competitors trying to break into the market, the savings made could go well into the thousands of dollars.<br /><br />By joining the thousands already applying for car insurance online, Australian drivers can also take advantage of hundreds of special discounts offered to customers who sign up over the net, adding to the savings made in their yearly insurance costs.<br /><br />The insurance giants are standing their ground in the market, but wise shoppers can always find the cheapest deals by conducting a quick quote online. By searching for new offers and comparing prices across all the competitors, you can drive knowing that you have the best cover for your vehicle. By Jack Han</div></span>Unknownnoreply@blogger.com5tag:blogger.com,1999:blog-3959747697840166333.post-33120955551583839982010-06-03T11:11:00.000-07:002010-06-30T01:19:42.782-07:00Van Insurance Comparison<div style="text-align: justify;">Van Insurance doesn’t need to be expensive, you can search some of the markets top providers to find a quote that’s right for you and could save you money, know the importance of saving money, <span class="fullpost">all it takes is one form and a couple of minutes of your time for you to be searching some of the best deals the market has to offer for van insurance all from the comfort of your own home.<br /><br />You can <a href="http://insurancematic.blogspot.com/2010/06/travel-insurance-comparison.html">compare</a> a variety of van insurance policies and add and compare features like breakdown cover, no claims discount protection and motor legal protection. You can obtain quotes whether you are looking for third party cover, third party fire and theft or comprehensive van insurance.</div></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-5530108162732850272010-06-03T11:08:00.000-07:002010-06-30T01:20:25.573-07:00Travel Insurance Comparison<div style="text-align: justify;">Having <a href="http://insurancematic.blogspot.com/2009/10/travel-insurance.html">travel insurance</a> can give you that extra peace of mind when travelling away from home that you are covered if your luggage was to get lost or stolen or if you were to fall ill. Travel insurance doesn't need to be expensive but lost luggage and medical bills certainly can be.<span class="fullpost"><br /><br /><a href="http://insurancematic.blogspot.com/2009/10/travel-insurance.html">Travel insurance</a> comparison is a quick and easy way to view some of the best deals on the market today for travel insurance. Whether you're after an annual travel insurance policy, family travel insurance, single trip travel insurance or a policy catered for a specific holiday like a ski resort or a Mediterranean cruise. Almost every person, going to almost every destination, can compare travel insurance.<br /><br />Have a look at how much you could save and compare <a href="http://insurancematic.blogspot.com/2009/10/travel-insurance.html">travel insurance</a>.</div></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-13876408902680637462010-06-03T11:02:00.000-07:002010-06-30T01:21:25.108-07:00Why compare car insurance?<div style="text-align: justify;">The importance of <a href="http://insurancematic.blogspot.com/2009/11/affordable-car-insurance-online.html">car insurance</a> but equally know how important it is to make sure you don’t end up over-paying for it. Comparing car insurance has never been easier and helps you to find great deals available on the market today,<span class="fullpost"> all from the comfort of your own home, saving you both time and money at no extra cost.<br /><br />All you need to do is click to get a quote, fill in a few details about yourself and you could be comparing over 400 car insurance prices from top providers in minutes.<br /><br />Whether you’re looking for <a href="http://insurancematic.blogspot.com/search/label/Instant%20Car%20Insurance">car insurance</a>, <a href="http://insurancematic.blogspot.com/search/label/Home%20Insurance">home insurance</a>, <a href="http://insurancematic.blogspot.com/search/label/Life%20Insurance">life insurance</a> or insurance for your pets, you could save money. Also compare rates and deals on a range of other products from home utilities to credit cards.</div></span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-13935570272474145652010-06-03T10:36:00.000-07:002010-06-30T01:18:42.658-07:00Car Insurance For New Drivers<div style="text-align: justify;">Regardless of your age, buying <a href="http://insurancematic.blogspot.com/2010/06/auto-car-insurance-overview.html">car insurance</a> for the first time is likely to be pretty expensive. For young motorists in particular it's not uncommon for a new driver insurance policy to cost more than the car itself.<br /><br />We all know that driving without cover is against the law. But just because you don't have a choice in the matter doesn't mean you can't take steps to find the cheapest new driver car insurance possible.</div><span class="fullpost"><br /><br /><span style="font-weight: bold;">What To Look For In A New Driver Insurance Policy</span><br /><br />Price - as a <a href="http://insurancematic.blogspot.com/2010/06/top-tips-for-getting-cheaper-car.html">new driver</a>, car insurance won't be cheap but with over 100 companies to choose from it pays to shop around using our comparison tool to track down the most competitive prices when buying your first policy.<br /><br />Suitable protection - cost is a factor but making sure your policy provides adequate security is just as important. Don't scrimp on cover that could prove invaluable should you need to make a claim.<br /><br />An insurer you can trust - in the event of a claim, having confidence in your insurer to provide a friendly and efficient service is important. You can find more information on potential insurers by using our reviews and forums.<br /><br /><span style="font-weight: bold;">How To Select The Right Level Of Cover</span><br /><br />When buying car insurance for a new driver it's well worth taking time to assess <a href="http://insurancematic.blogspot.com/2009/11/what-to-expect-in-car-insurance-policy.html">the policy </a>options available to you. Making the right choices can provide peace of mind in knowing you are properly insured. Consider the following:<br /><br />Cover type - there are three options to choose from; third party only, third party, fire & theft and fully comprehensive. Each will provide different levels of protection so it is important to choose the right one.<br /><br />Policy features - before committing to buy it's essential to look past the price and ensure the <a href="http://insurancematic.blogspot.com/2009/11/what-to-expect-in-car-insurance-policy.html">policy</a> offers all the features you need. If features such as a courtesy car or protected no claims are important to you make sure your policy includes them.<br /><br />Optional extras - adding features such as breakdown cover and legal cover will provide additional protection but at an increased cost. Decide whether or not you need each of these before you buy.<br /><br /><span style="font-weight: bold;">How To Find <a href="http://insurancematic.blogspot.com/2010/06/top-tips-for-getting-cheaper-car.html">Cheap</a> Car Insurance For New Drivers</span><br /><br />One of the easiest ways to find low cost cover is to use to compare new <a href="http://insurancematic.blogspot.com/2009/12/uninsured-drivers-pose-risk.html">driver</a> car insurance quotes from dozens of companies to find the best prices available. Other steps you can take include:<br /> * Driving a car with a smaller engine as these are generally cheaper to insure.<br /> * Agreeing with your insurer to limit your mileage and improving security by parking safely and fitting an alarm/immobiliser system if you vehicle doesn't have one.<br /> * Building up and protecting your no claims bonus to make finding cheaper insurance easier in the future.</span>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-55018940230544970842010-06-03T10:32:00.000-07:002010-06-08T06:23:36.926-07:00Auto Car Insurance – Overview<div style="text-align: justify;">Auto <a href="http://insurancematic.blogspot.com/search/label/Car%20Insurance">Car Insurance</a> is needed both for new car and used car. It gives us protection for auto car ownership. Most of car dealers offer auto car insurance in every cars they sale. In US, you buy with higher price if you don’t cover our car with insurance.<br /><br /><span style="font-weight: bold;">How to Choose</span><br />The problem is how to choose the right Auto Car Insurance for you. Insurance is long term business, it’s a commitment business. First you have to do is research about track record of the insurance company. New auto <a href="http://insurancematic.blogspot.com/2009/11/ideal-car-insurer.html">car insurance</a> company usually back up with other related company such as investment or car manufacturer company. You pay insurance at least for 1 year, so the company must be exist for 1 year toward.<br /><br /><span style="font-weight: bold;">Insurance rate</span><br />Auto car insurance companies have different rate base on type of insurance we choose. Drivers history may affect the rate of insurance. Find on the net from auto car insurance website, fill the form, and ask for <a href="http://insurancematic.blogspot.com/2010/01/switching-auto-insurance-companies.html">auto insurance</a> quotation. After you get some insurance quote, compare the rate between provider and choose the best rate.<br /><br /><span style="font-weight: bold;">Customer review</span><br />After get best rates from several auto car insurance provider, find customer review about that insurance product. Read from article, blog, of forum to find review about insurance quote that you already get. Check about claim procedures, ask about their experience.<br /><br /><span style="font-weight: bold;">Services</span><br />You have to consider services of insurance companies. Some of them have good services but others are not. Good insurance company provide total solution for their customer. Emergency roadside assistance is one of services that you put on your list. Some also offer to change <a href="http://best-car-automotive.blogspot.com/">car </a>when you get accident and you car must be repaired at workshop.<br /><br /><a href="http://insurancematic.blogspot.com/search/label/Instant%20Car%20Insurance">Auto car insurance</a> will give protection for your valuable asset, make sure you choose the right one and easily claim when your car get accident or stolen.By: Ryan T & Jack Array<br /></div><br /><span class="fullpost"> </span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-22617625947974369822010-06-03T09:18:00.000-07:002010-06-03T09:20:47.029-07:00Top tips for getting a cheaper car insurance quote<span style="font-weight: bold;">Fit an alarm</span><br />Fit an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2. All improvements to security should help to lower your car insurance costs. Some insurers could even insist on sophisticated tracking devices before they will insure expensive cars.<br /><br /><span style="font-weight: bold;">Change your excess</span><br />Change the excess you are prepared to pay on any claim to reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium.<br /><br /><span style="font-weight: bold;">Check your mileage</span><br />Check your mileage to make sure you are not paying extra for miles you are not covering in your car. If, for example, you change jobs and have a shorter commute to work you could be saving money. Try and work out how many miles you will genuinely cover - but don't get it wrong as inaccuracy could jeopardise your claim.<br /><br /><span style="font-weight: bold;">Minimise your optional extras</span><br />Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.<br /><br /><span style="font-weight: bold;">Be careful where you park</span><br />Keep your car parked in a locked garage overnight if you can - this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don't have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It's less likely that vandalism, theft or accidental damage will occur when you're off the highway.<br /><br /><span style="font-weight: bold;">Pass Plus</span><br />If you're a new driver looking to get your first car and car insurance we'd highly recommend that you take your Pass Plus in order to reduce your premiums. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.<br /><br />You'll be taking 6 lessons where you'll become competent in the following areas:<br /><br /> * Driving in town<br /> * Driving out of town<br /> * Driving in all Weathers<br /> * Driving at night<br /> * Driving on a dual carriageway<br /> * Driving on a motorway<br /><br />There is no test to take at the end of the course. When your instructor is satisfied with your performance you will receive a certificate from the Driving Standards Agency (DSA).<br /><br />This certificate you will earn you large discounts with a whole host of insurance companies participating in the Pass Plus scheme.<span class="fullpost"> </span>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-36852752778783370132010-01-26T04:08:00.000-08:002010-08-18T12:19:10.514-07:00Credit Scores and Auto Insurance Premiums<span style="font-weight:bold;">How Credit Reports Affect the Cost of Car Insurance</span><br /><br />In addition to the type of vehicle and the insured's driving record, car insurance companies use a driver's credit score when calculating auto insurance premiums.<br /><br />It's not that good or bad credit makes a driver a better driver; it's that insurance companies have found that individuals with poor credit tend to file more auto insurance claims than folks with good credit.<span class="fullpost"> Therefore, underwriters evaluate each driver's credit history to determine if a driver is considered a high risk from a claims perspective. Drivers with poor credit should expect to pay more for car insurance than their counterpart that has good credit.<br /><br />Insurance companies look at five factors when it comes to evaluating credit and determining whether or not it will affect auto insurance premiums positively or negatively.<br /><br /><span style="font-weight: bold;" class="fullpost">Payment History Affects Car Insurance Costs</span><br />When determining an insurance score, companies look to see if the driver has a history of making timely payments. Paying bills on time is looked upon favorably. They also take note of things such as bankruptcies, judgments and liens. Such negative public records will adversely affect car insurance premiums.<br /><br /><span style="font-weight: bold;" class="fullpost">Outstanding Debt and Auto Insurance Premiums</span><br />The second most important factor taken into consideration is the number of open credit accounts, the amount of credit available and the amount of credit owed. Having several credit cards at or near the credit limit is a sign of financial instability. Insurance companies consider this a poor credit risk and charge higher premiums accordingly.<br /><br />Drivers who wish to take advantage of lower auto insurance rates should reduce their outstanding credit to available credit ratio. In other words, using $20,000 of an available $25,000 in credit will cost a driver more in auto insurance premiums than if the driver only used $5,000 out of the $25,000 available credit limit; the lower the outstanding to available debt ratio, the better.<br /><br /><span style="font-weight: bold;" class="fullpost">Length of Time Credit has been Established</span><br />To a lesser degree, auto insurance carriers look at the length of time the policyholder's relationship with creditors. Long term relationships shows stability while several a frequent turn over in creditors shows instability and is not looked upon favorably.<br /><br /><span style="font-weight: bold;" class="fullpost">New Credit and its Affect on Insurance Premiums</span><br />Regarding new credit, insurance companies look to see how many new inquiries, and recently opened accounts drivers have. New credit can be viewed as a double edged sword. An excessive flurry of new credit and credit inquiries is not recommended, but a slow steady planned re-establishment of credit is encouraged. In other words, sending out 20 credit card applications in a day or does not do much to improve credit scores, or lower car insurance premiums.</span><br /><br /><span style="font-weight: bold;" class="fullpost">Types of Debt and Car Insurance Cost</span><br /><span class="fullpost">The type of established credit is also weighed when determining a driver's auto insurance policy premiums. Home mortgages are looked upon favorably as it shows a sense of stability and financial commitment. Credit cards don't hold the same amount of weight, but if used responsibility, credit cards can help to improve credit scores and thus lower insurance premiums.<br /><br />Each credit category is not weighed the same. Insurance companies tend to give more weight to payment history and amount of credit owed. While the other factors are important, they carry less weight when determining insurance premiums. Therefore, if drivers want their credit to positively affect car insurance premium, paying bills on time and maintaining low balances on credit cards is a step in the right direction..</span>Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-3959747697840166333.post-66216439693725452272010-01-26T04:06:00.000-08:002010-08-18T12:22:34.836-07:00Switching Auto Insurance Companies<span style="font-weight:bold;">How to Cancel and Replace Car Insurance Coverage</span><br /><br />On occasion, drivers find it necessary to switch auto insurance carriers. The policy switch may be due to poor customer service or better coverage with lower premiums.<br /><br />Whatever the reason for switching auto insurance policies, there are a few things to think of before switching from the old auto insurance company to a new one.<span class="fullpost"><br /><br />For starters, make sure, without a doubt, that the new auto policy is bound and in force. Be sure to obtain written confirmation as proof that coverage is in effect. With today's technology, it is quick and easy for an insurance agent to fax or email proof of coverage.<br /><br />Once the proof of auto insurance coverage is in hand, the next step is to request the old auto insurance company to cancel coverage. When requesting the cancellation, make sure to provide the old auto insurance carrier with the new insurance company name and policy number. Insurance companies are required, by law, to notify the Department of Motor Vehicles if there is a lapse in coverage. By providing the new auto insurance carrier's name and policy number, the old insurance company does not have to notify the DMV of a lapse or gap in coverage (such a gap in coverage can be costly to the policyholder).<br /><br />Now that the new coverage is in effect and the old auto policy is canceled there are still a few bookkeeping and paper trails that must be taken care of. The amount of paperwork depends upon when the policy was replaced.<br /><br />If the automobile insurance policy changed carriers at the end of the policy term, the paperwork is very much similar to a normal auto policy renewal. The policyholder must obtain new insurance ID cards, insurance policy and invoice for premium payment.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-25921074206599817842010-01-16T01:39:00.000-08:002010-08-18T12:25:21.545-07:00Choosing Smart Health InsuranceDo you feel it is important to have <a href="http://insurancematic.blogspot.com/2010/01/health-insurance-needs-it-so.html">health insurance</a>? It may be that most of us would answer no.<br /><br />In fact, if a member of our family who is ill and must be treated in our hospital had felt the importance of having this insurance. Because the illness much less severe illness, but the body must suffer, bag, too miserable.<span class="fullpost"><br /><br /><a href="http://insurancematic.blogspot.com/2009/09/life-insurance.html">Life Insurance</a> and <a href="http://insurancematic.blogspot.com/2009/11/good-argument-for-not-buying-health.html">Health Insurance</a> is required primarily for self-employed and informal workers who do not have health insurance from a company or government agency.<br /><br />A self-employed if stricken ill or disabled because of an accident will have a lot of financial losses because they have to bear the cost of treatment and can not work for a living.<br /><br />Others as if someone working in a company or government employee, they usually get h<a href="http://insurancematic.blogspot.com/2009/11/health-insurance.html">ealth insurance</a> that will cover the cost if the hospital and paid fixed monthly salaries.<br /><br />The most important thing is, before determining what health insurance products, from which the insurance company, it is advisable to compare different products, types of products from several insurance companies.<br /><br />Do not rush to buy insurance products without a clear understanding of rights and obligations if we take an insurance product. Here are some tips you can use as a consideration:<br /><ul style="text-align: justify;"><li><span class="fullpost">Determine the benefits of whatever protection we need, for example hospitalization benefit and critical illness, because this is what causes us to spend large sums of money, because the period is difficult to predict. Or, provide outpatient benefits if in the last 1-2 years we often went back and forth to the doctor. Usually, health insurance is also attached to life insurance.</span></li><li><span class="fullpost">Look for information of insurance products as needed, by collecting brochures from various companies or websites to find information on insurance companies,</span></li><li><span class="fullpost">Ask your agent in detail about the product as a whole until details of the calculation of the allocation of funds we pay for anything,</span></li><li><span class="fullpost">Do not believe all health insurance agents say, because they are not necessarily well understood by the products they offer,</span></li><li><span class="fullpost">Ask for an illustration made health insurance product benefits, the premium must be paid and the allocation of premiums paid wherever</span></li><li><span class="fullpost">Learn the contents of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear</span></li><li><span class="fullpost">Compare products from the various health insurance companies, which provide the greatest benefit with the least expensive premiums, but also find out whether the company info bona fide or not</span></li><li><span class="fullpost">Do not just BASED on the best insurance award from a magazine, but you should really know how to calculate the insurance costs</span></li><li><span class="fullpost">Determine the insurance product after all you really understand</span></li><li><span class="fullpost">After determining and deciding to buy a health insurance product, we will accept the insurance policy that contains a binding agreement between the customer and the insurance company. Learn more policy content, customers are usually given a 14-day opportunity to cancel the policy.</span></li></ul><span class="fullpost">Remember, do not be fooled by an insurance product "Do not <a href="http://insurancematic.blogspot.com/2009/09/why-buy-health-insurance.html">buy</a> <a href="http://insurancematic.blogspot.com/2009/09/life-insurance.html">Life Insurance</a> and Health Insurance Unit Link associated with investment". Trust unit-linked products very expensive the cut, you better take health insurance and pure and invest money into Mutual Funds separately. </span></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-66480747509564979732010-01-13T05:10:00.000-08:002010-01-14T09:59:35.688-08:00TRICK RISK THROUGH HEALTH INSURANCE<font class="fullpost"></font><div style="text-align: justify;"><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="ASURANSI KESEHATAN" onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span></span><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="ASURANSI KESEHATAN" onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span><span style="background-color: rgb(255, 255, 255);" title="SEBELUM menentukan asuransi apa yang akan dipilih, langkah pertama yang seyogia-nya dilakukan adalah menentukan kebutuhan." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Before determining what insurance is selected, the first step of his seyogia do is determine the needs. </span><span style="background-color: rgb(255, 255, 255);" title="Dari ketiga jenis asuransi diatas, tentukan tingkat preferensinya sesuai kondisi Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Of the three types of insurance above, determine the appropriate level of preference your condition. </span><span style="background-color: rgb(255, 255, 255);" title="Secara umum, di negara-negara maju prioritas pertama adalah mengikuti asuransi kesehatan." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">In general, in developed countries the first priority is to follow the health insurance. </span><span style="background-color: rgb(255, 255, 255);" title="Alasannya, karena bila Anda sakit, biaya yang dikeluarkan bisa saja tidak sedikit." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">The reason, because when you are sick, the cost may not be less. </span><span style="background-color: rgb(255, 255, 255);" title="Kalaupun saja Anda bekerja pada suatu perusahaan dan perusahaan tersebut memberikan fasilitas biaya kesehatan, nilainya mungkin saja tidak sesuai dengan kebutuhan Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">If only you worked at a company and the company is providing facilities of health costs, its value may not suit your needs.<br /><br /></span><span style="background-color: rgb(255, 255, 255);" title="Apalagi bila anda memiliki gaya hidup tertentu." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Especially if you have a certain lifestyle. </span><span style="background-color: rgb(255, 255, 255);" title="Jika Anda mengalami rawat inap, misalnya, mungkin Anda ingin dirawat dengan fasilitas kelas satu, padahal fasilitas yang diberikan perusahaan hanya fasilitas kelas dua." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">If you are experiencing hospitalization, for example, you may want to be treated with first-class facilities, and facilities provided the company only second-class facilities. </span><span style="background-color: rgb(255, 255, 255);" title="Untuk menyiasatinya, Anda bisa mengikuti program asuransi kesehatan yang manfaatnya disesuaikan kebutuhan Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">To menyiasatinya, you can follow the health insurance program that benefits tailored to your needs. </span></span><br /></div><div style="text-align: justify;"><div style="text-align: justify;"><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Untuk menyiasatinya, Anda bisa mengikuti program asuransi kesehatan yang manfaatnya disesuaikan kebutuhan Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"> </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Untuk menyiasatinya, Anda bisa mengikuti program asuransi kesehatan yang manfaatnya disesuaikan kebutuhan Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span><span style="background-color: rgb(255, 255, 255);" title="Dalam realitasnya, cukup banyak kalangan yang sama sekali tidak memiliki fasilitas kesehatan apa pun." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">In reality, most people simply did not have any health facility. </span><span title="Jadi bila sakit, semua biaya mesti ditanggung sendiri." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">So when sick, all should bear their own costs. </span><span style="background-color: rgb(255, 255, 255);" title="Bagi kalangan seperti ini, tentu saja asuransi kesehatan seyogianya merupakan hal mutlak, sebab tidak ada yang tahu kapan risiko sakit datang meskipun Anda menjaga kesehatan dengan baik." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of pain to come even if you maintain good health. </span><span style="background-color: rgb(255, 255, 255);" title="Oleh karena itu, asuransi kesehatan bisa dipertimbangkan untuk dimiliki." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Therefore, health insurance can be considered to have. </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Oleh karena itu, asuransi kesehatan bisa dipertimbangkan untuk dimiliki." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"> </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Oleh karena itu, asuransi kesehatan bisa dipertimbangkan untuk dimiliki." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span><span style="background-color: rgb(255, 255, 255);" title="Pertanyaannya, asuransi kesehatan seperti apa yang layak dipilih?" onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">The question is, what kind of health insurance are eligible to choose? </span><span style="background-color: rgb(255, 255, 255);" title="saat ini, selain penawaran langsung dari perusahaan asuransi kesehatan, cukup banyak asuransi kesehatan yang ditawarkan melalui penyelengara kartu kredit (issuer)." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">now, other than a direct quote from health insurance companies, quite a lot of health insurance offered through penyelengara credit card (issuer). </span><span style="background-color: rgb(255, 255, 255);" title="Jadi, kepada card holder ditawarkan "benefit" dari asuransi kesehatan dan preminya langsug dibebankan kepada pemegang kartu melalui kartu kreditnya." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">So, the card holder is offered "benefits" of health insurance and the premiums langsug charged to card holders via credit card. </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Jadi, kepada card holder ditawarkan "benefit" dari asuransi kesehatan dan preminya langsug dibebankan kepada pemegang kartu melalui kartu kreditnya." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"> </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Jadi, kepada card holder ditawarkan "benefit" dari asuransi kesehatan dan preminya langsug dibebankan kepada pemegang kartu melalui kartu kreditnya." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span><span style="background-color: rgb(255, 255, 255);" title="Tidak ada yang salah dengan pola penawaran seperti itu, namun Anda mesti mencermati keuntungan apa yan gdiberikan perusahaan asuransi." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">There's nothing wrong with such a pattern of supply, however, you should look at what benefits the insurance company gdiberikan yan. </span><span style="background-color: rgb(255, 255, 255);" title="Kemudian, apakah perusahaan asuransi yang bekerja sama dengan penerbit kartu kredit tersebut cukup bonafid dan telah memiliki pengalaman." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Then, if the insurance company that works with the credit card issuer is bona fide and have experience. </span><span style="background-color: rgb(255, 255, 255);" title="Jangan sampai, ketika Anda sakit dan mengajukan klaim, ternyata prosesnya malah lebih sulit." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Not until, when you are sick and make a claim, proved even more difficult process. </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Jangan sampai, ketika Anda sakit dan mengajukan klaim, ternyata prosesnya malah lebih sulit." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"> </span></span><br /><span id="result_box" class="long_text"><span style="background-color: rgb(255, 255, 255);" title="Jangan sampai, ketika Anda sakit dan mengajukan klaim, ternyata prosesnya malah lebih sulit." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'"></span><span style="background-color: rgb(255, 255, 255);" title="Jadi, untuk memilih perusahaan asuransi kesehatan, paling tidak ada dua hal yang mesti di perhatikan, yakni bonafiditas dan track recordnya, kemudian keuntungan ditawarkan dibandingkan dengan premi yang dibebankan kepada Anda." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">So, to choose the health insurance companies, at least there are two things to note, namely bonafiditas and recordnya tracks, and then compared with the benefits offered premiums charged to you. </span><span style="background-color: rgb(255, 255, 255);" title="Selain itu, Anda juga mesti memperhatikan rumah sakit yang bekerja dengan perusahaan asuransi kesehatan itu." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">In addition, you also must consider that the hospital worked with the company's health insurance. </span><span style="background-color: rgb(255, 255, 255);" title="Semakin banyak rumah sakit yang bekerja sama, semakin bonafid-lah perusahaan asuransi tersebut." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">More and more hospitals are working together, the more is the bona fide insurance company. </span><span style="background-color: rgb(255, 255, 255);" title="Percuma Anda memiliki asuransi kesehatan bila ternyata rumah sakti di dekat rumah Anda - sebgai misal - tidak memiliki kerja sama dengan asuransi kesehatan yang Anda miliki." onmouseover="this.style.backgroundColor='#ebeff9'" onmouseout="this.style.backgroundColor='#fff'">Useless you have health insurance when the house was magic in your neighborhood - sebgai example - do not have cooperation with the health insurance you have.</span></span><br /></div><br /><br /></div><font class="fullpost"> </font>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-47270904229008662382010-01-13T05:05:00.000-08:002010-01-13T05:07:06.146-08:00TRICK RISK THROUGH INSURANCE<div style="text-align: justify;"><span class="fullpost"> </span><span class="fullpost">Risk does not only happen on investment. See flood now, making many people suffering from the loss of property and even lives. What can I say, flooding had already occurred. However, risks include the risk of flooding - not unusual trick. At least, that risk can be transferred to other parties. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. Among them may have moved the risk to the insurance company. Thus, the insurance companies who will bear the risk experienced earlier.</span><br /><br /><span class="fullpost">Insurance program is not new. Various backgrounds to understand, insurance as risk management of financial institutions was necessary existence. However, awareness to follow the insurance program did not have everybody. Usually, after the "hit the rock" new people aware that insurance is important. Still, never too late. Dus, so the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.</span><br /><br /><span class="fullpost">With insurance program means you have shifted the risk to other parties. Transferred to the risks that you must pay a premium depending on the risk transferred and who want manfaaat obtained. In practically, various insurance types. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.</span><br /><br /><br /><br /></div><span class="fullpost"> </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3959747697840166333.post-65388564940850303202010-01-10T00:42:00.000-08:002010-08-18T12:41:00.341-07:00Health Insurance Needs It SoHealth care costs today than just the doctor alone has cost a pretty expensive (to pay the doctor added with the purchase of drugs), especially if you should seek treatment and stay in the hospital. Medical costs are increasingly rising resulted in the family burden becomes very heavy if one of the family members attacked the disease.<br /><span class="fullpost"><br /><br />Meanwhile, the unexpected, such as illness or accident is a common occurrence even if the timing is not predictable. Because it badly needed a plan to solve this problem or the problem carefully and wisely.<br /><br />Unexpected Deal ready<br /><br />Here's a true story that we write as an illustration. The husband, wife, call it Dicki and Dina had a baby who is very pretty with the name Alia.<br /><br />Dicki and Dina are couples who live in the Jakarta metropolitan city that requires them to work together in order to meet all the needs of daily life. The couple lived in a housing on the outskirts of Jakarta.<br /><br />Some time ago, the fruit of their heart disease that required to stay in the hospital because they have to undergo some tests and treatments internsif enough. Without realizing their child's stay in hospital for 1 week.<br /><br />So they want to complete payment of their hospital bills surprised, why it costs so expensive? Up to Rp. 12 million? They were preparing an emergency fund but the amount is insufficient to pay all the hospital bills, so in order to pay the hospital bills they have to withdraw funds in their future.<br /><br />This kind of thing we often hear. Not only must take the future savings, but instead there is a need to borrow them first to relatives because this form of expenditure is always ignored. How you can overcome problems like this? There are ways that our opinion can help you at least do not anticipate this in terms of financial availability for the things that are not unexpected. First to prepare an unexpected funds that you need to fill again when it is used and both with have health insurance. Both alternatives have advantages and disadvantages.<br /><br />Unexpected funds and insurance<br /><br />The first option is to spend the unexpected that you must specify the amount yourself. Of several books related to family finances in our opinion you should meyiapkan unexpected tactical funds ranging from 2 to 6 months of living expenses per month.<br /><br />When the family monthly expenditure of Rp 5 million, then at least you have to set aside in savings of between Rp 10 million to Rp 30 million. Because of this requirement is the need for the unexpected, where events can occur at any time, the placement of a product that high levels of liquidity into our suggestions. For example, in the form of savings in which the decision can be made at any ATM with the current ease almost all banks offer these advantages.<br /><br />You've set the size and has put in savings, if in the next month you should use it for unexpected needs such as repairing the house as much as Rp 2 million, then you should add back the amount of its original value. For example, USD 10 million is prepared to fund unforeseen circumstances. When you have used up USD 2 million then you should have budgeted funds to add back the total funds to $ unexpected. 10 million back.<br /><br />Usefulness of these funds for a variety of unexpected expenses not only because of hurt, but for other needs such as, a leaky house repairs, car crash and others. The limitations of these alternatives to prepare for the unexpected burden of family health are funds available so that you depend with funds set aside for the unexpected.<br /><br />Sometimes funds are not prepared enough to keep the rising cost of medical treatment, whether it is only to the doctor and to stay in the hospital. The advantages in this way is that you can determine the amount of money should you spend or you set aside. If not unlikely event of an unwanted or unexpected so that you have funds set aside to remain intact in number.<br /><br />Alternatively you can do is to buy family health insurance. With this program you transfer the risk of the unexpected (illness) to a third party (insurance company) at a cost that should you spend each year in the form of annual premium which has no cash value or be lost or burned when not in use in the current year.<br /><br />Health Insurance<br /><br />Indonesian society in general have not seen the insurance especially health insurance as a necessity. Another case with American or European society that has seen health insurance as a necessity. Not only higher costs for medical care in the U.S. or Europe, but if no insurance it will be very difficult for them to get the best treatment is desired.<br /><br />In general about health insurance is similar to the general asurasi where premiums are paid for one year can not be returned or burnt again during the year despite no claims. Some insurance companies give a refund of premiums paid when no klain for 1 year, although a small amount.<br /><br />In Indonesia there are two categories, namely health insurance, <a href="http://insurancematic.blogspot.com/2009/11/health-insurance.html">health insurance</a>, collective (group) and individual health insurance. Individual insurance usually diperutukan for families in which only a maximum of 5 individual members, father, mother of 3 children funds. Premiums must be paid relatively higher than the collective health insurance.<br /><br />Meanwhile, the collective number of individuals who participate are usually older and premiums are paid less because of the risk of claims on the average by all individuals in the group. The greater the number of groups or members within a set of lower premiums to be paid.<br /><br />Insurance Benefits<br /><br />Health insurance is a type of insurance that maintain the availability of funds if the individual or family member stricken with the disease. All the needs of the doctor to have to stay in the hospital with a variety of needs such as, the cost of medicines in the hospital until the operation of all these things covered by insurance companies. In general, type of treatment or programs that are available are the benefits of outpatient (Outpatient), hospitalization benefits (Inpatient), labor benefits and dental benefits.<br /><br />In general, outpatient benefits (Outpatient) are borne by insurance companies are:<br />* GP Consultations<br />* Providing referrals to doctors when necessary spesilis<br />* Consultation to a specialist<br />* The purchase of medicines in accordance with the list of drugs<br />* Supporting the diagnostic survey<br /><br />In outpatient benefits have maximum limits the use of funds each year. Of the total cost of expenditures for outpatient care, in general at every insurance company requires the insured to pay 20 percent.<br /><br />Labor benefits associated with the birth of a child, from the cost of normal delivery, delivery with additional tools and S-caesacea operations. For the benefits waiting period persalian there are usually up to 280 days. Each insurance company has a waiting period that limits vary.<br /><br />As for the benefits of dental care consisting of prevention, basic dental care, dental care complex and the installation of dentures. For all treatments insurance companies typically limit the amount of the total cost that can be used per year. In the dental benefits are an obligation for the insured to pay 20 percent of the cost of treatment (same as outpatient benefits).<br /><br />The third benefit of treatment as above, namely outpatient, labor and dental benefits are additional options you can take by following the basic program of inpatient benefits. So you can not just take advantage of outpatient only, labor only, or dental treatment without following the basic program of hospitalization benefits.<br /><br />For the benefit of hospitalization which are the basic benefits that should be taken first, hospitalization benefits coverage in general is almost the same from the existing insurance companies. Benefits include:<br />* Cost of accommodation space<br />* Cost-ICU room accommodation<br />* Consult a doctor<br />* Consult a specialist<br />* Cost of surgery, complex, major, intermediate and minor<br />* Other costs hospitals include: the cost of drugs, lab tests and diagnostic</span><br />* Treat the road 30 days before and after hospitalization<br />* Treatment at home<br />* Local ambulance service<br />* Treat emergency road accidents<br />* Treat dental emergency road accidents<br />* Compensation of death<br /><br />The amount of coverage is dependent with the program you take, many insurance companies use the name or type of program is different. For inpatient premium amount to be paid annual visits of the high cost of accommodation in the hospital room you choose, for example, you choose accommodation costs with the cost Rp. 200.000 the following benefits following the prescribed program options. For the three additional programs, the premium must be paid for outpatient consultations based on the selected general practitioners, labor costs based on the desired natural childbirth and dental care in terms of basic care.<br /><br />Insurance Claims<br /><br />In case there are claims that wearing the insurance company reimbursement system (reimbursement) or the system provider. With the replacement system, the insured must spend the money to pay medical expenses which you can then claim (request a replacement) to the insurance company.<br /><br />In this case the completeness of the letters of administration becomes necessary. Sometimes issues arise in the claims process is not complete because the required conditions. The length of disbursement tertantung claim with the insurance company generally ranges from 7 working days.<br /><br />As for your provider's system does not spend a dime, you're only equipped health insurance membership card in order to obtain needed medical services. Surely in a hospital or clinic you have chosen previously.<br /><br />With the replacement of the system you can go to any hospital. While the system provider, you must specify a hospital choices you want based on the hospital list in collaboration with the insurance company.<br /><br />Perhaps the question arises, how much premium should we spend to have health insurance? Once again, the amount of premium or fees should you spend each year depends on the program you choose. Like the example above where you select the program inpatient accommodation costs Rp.200, 000, then the premiums will be calculated based on the cost of accommodation and age of the insured. The younger the age of the insured, the burden will be more affordable premiums.<br /><br />Importance of Insurance<br /><br />After learning the basics or general health insurance, shows that health insurance becomes very important for a family plan. Why?<br /><br />First, the health insurance program, for sure you know the burden of expenditure that must spend a year to pay the premium without having to fear when one family member became ill.<br /><br />Second, by choosing a health insurance program with the system provider, if one family member became ill then you do not have to bother with issues of money, because it was covered by an insurance company and you do not need to spend any money for hospitalization. With your outpatient required to spend 20 percent of the total cost.<br /><br />As for shortcomings in terms of health insurance is still quite expensive for our society. Actually said it was relatively expensive, therefore we strongly recommend that you plan your family finances, so you can see the family's financial goals by priority.<br /><br />When you participate with insurance companies that use the system provider, you can only choose a partner hospital of the insurance company. So who should be seen in this case is how many hospitals or clinics owned by a partner insurance company. The easiest option is to determine the nearest hospital to home and of course with the best quality.<br /><br />So from this description we do hope you can see the importance of preparing or planning a fund unexpected or your health insurance program that protects families from financial hardship when the plague struck. Begin immediately. The younger you are the easier to follow and premiums must be paid also relatively cheaper. Hopefully useful.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3959747697840166333.post-69491478137337262512010-01-09T03:51:00.000-08:002010-01-09T03:55:00.548-08:00Life insurance protects the customer or Economic Value?I've listened to the opinion of some people about life. Some say: "Life is God's business. Insuring that our souls before God's will. "<br /><br />So to speak. And the fact is, indeed, quite a lot of people are allergic to hear the word 'insurance'. The funny thing is, those who are allergic to this insurance did not hesitate to insure your car, motorcycle or houses they have.<span class="fullpost"> <br /><br />Hence, not surprisingly, the majority owner of a motor vehicle to protect the economic value of vehicles with insurance, while only about 3% of all Indonesian people who consciously protect themselves with the economic value of life insurance.<br /><br />Actually life insurance is not to protect our souls. But rather to protect the economic value of ourselves. For example, if we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic lives of our families by spending 5 million dollars that could be kept awake, 'even if' something happens that causes us could no longer make money. We do not expect 'something' was happening.<br /><br />But who can ensure the future?<br /><br />Therefore, try to ponder: If the economic value of our car or house just protected, why do we not protect the economic value of our self? Is a car or a house is more valuable than ourselves?<br /><br />If our employees, try to check whether the company where we work is to provide life insurance for us. Company-a good company usually provides life insurance for his employees. But there are 2 things we need to do:<br /><br />First, ask the HRD, whether insurance is provided only for as long we work in the company, or can proceed alone if we stop working.<br /><br />In general, if employees resign or retire, so his life insurance will be disconnected automatically. Therefore, consideration should be given to purchase their own insurance. Unless we plan to work on as a professional.<br /><br />However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.<br /><br />Second, if the company has provided insurance that we can manage themselves (you can take them away and continued his own) so maybe it's time to do financial planning or school fees of children in the future.<br /><br />There are those who prefer to save every month in the bank, and not taken-taken. No matter if we can be disciplined way. But if not, maybe insurance education can be the solution.<br /><br />Apart from that, insurance has the advantage of education in terms of protection, which is not owned by the education savings.<br /><br />The principle is: if there is 'something' in us, so our children still get the education funding guarantee in accordance with what we planned.<br /><br />Even if we do not want to buy an insurance policy, we do not hesitate to consult with insurance agents. It would not hurt if we understand the mechanism of this model of financial planning.<br /><br />At least, we can compare it with financial planning strategies that we run today. Although we do not buy insurance policy from them, they are usually happy to help us to design a long-term financial plan we are. That is, we can get a free consultation about our financial planning. Not bad right?<br /><br />We have had a lot of insurance combined with investment. So, you will get benefits of protection, while viewing portion of the money you paid as savings or investments that continue to grow and develop.</span>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-21215371107056515642009-12-04T06:49:00.000-08:002010-08-18T11:39:21.432-07:00November and December Dedicated To No-Fault Car InsuranceFor the last two months of 2009, focus in certain states fall on personal injury protection coverage which, during the course of the year, has become the target of fraud and abuse by deceitful clinics and medical practitioners who bill for very expensive and unnecessary medical and check-up procedures.<span class="fullpost"><br /><br />For those who are not familiar, the words “no-fault car insurance” are used in states to refer to a car insurance program that makes it possible for policyholders to receive reimbursements and to recover monetary losses from their own insurance provider, regardless of which party caused the accident. Today, there are 12 states and Puerto Rico that have no-fault car insurance laws. Five states have verbal thresholds: New Jersey, Pennsylvania, Michigan, Florida, and New York. The remaining seven states have monetary thresholds: Utah, Hawaii, North Dakota, Kansas, Minnesota, Massachusetts, and Kentucky. Of all these 12, three follow a “choice” no-fault law, meaning they can opt to reject the lawsuit threshold and keep the right to take legal action for any auto-related damages. These three states are Kentucky, New Jersey, and Pennsylvania. Under current no-fault laws, motorists may file legal action for grave damages and for hurt and distress only if the situation satisfies certain criteria. The criteria, known as a threshold, refer to the harshness or level of damage of the injury. The severity of the damage may be described in verbal terms (verbal threshold) or in monetary amounts, the dollar amounts corresponding to medical expenses (monetary threshold).<br /><br />According to industry experts, the number of fraud cases regarding no fault insurance has risen to a tremendous level and needs urgent attention. In New York, the personal injury protection insurance claims costs were estimated to be $8,748, and amount that is second highest in the US. Insurance providers in New York say that part of the cause of their problem is the legislation made during the end of 2004 ruling that the time estimated for filing claims need to me cut to a minimum. According the these companies, lessening the time needed to filing claims leads to less time taken to inspect and analyze each claim, thus giving opportunities for fraud. For 2009, claims costs went up an astonishing 56% and investigations regarding fraudulent claims have tripled in number.<br /><br />On the other hand, in Minnesota, a study conducted by the Insurance Research Council reveals that the state had more than 500 insurance claims for personal injury protection. Bulk of the costs of which, roughly 58%, were bills from chiropractors, and only 11% and 19% respectively represent physical therapists and physicians’ bills. While much of Minnesota’s data doesn’t necessary lead to fraud, it still shows an astounding number of increases in claims that provide room for investigation.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-3959747697840166333.post-82876813779125191012009-12-04T06:48:00.000-08:002010-08-18T11:41:08.333-07:00Uninsured Drivers Pose RiskThe alarm for uninsured motorist is on as some states remain lenient about letting their motorists drive freely without the need to purchase car insurance policy first. According to a recent study conducted by the Insurance Research Council, one out of every seven US drivers go and ride freely without being insured first.<span class="fullpost"><br /><br />Reports from the Insurance Information Institute show that drivers who do not have car insurance pose a great of threat once they get on the road – when an uninsured motorist causes a road accident and he isn’t capable of paying the damages, the injured party would have to carry the burden. According to the organization, the way to eliminate the problem on uninsured drivers is to first find out how many they are and who they are.<br /><br />Insurance Industry Committee on Motor Vehicle Administration former chair Loren McGlade says that if the uninsured drivers are not identified, there is no way to solve the problem s that they cause. According to McGlade, states today techniques like random sampling and requiring insurance providers to provide copies of their business books and customer databases.</span><br /><br /><span class="fullpost">On the other hand, insurance companies say that the problem is rooted by the lack of understand regarding the importance of being an insured driver. Added to this is the fact that the unemployment rate is starting to increase also forms part of the problem’s cost. According to experts, car owners today will choose to save up on cash rather than spending a lot of money on policy papers because of the challenges caused by the economy. Another study of the Insurance Information Institute shows that around 17% are willing to scarify not buying car insurance if it means having enough cash until the next payday.<br /><br />The Department of Transportation says that they have already begun looking for ways to lessen the number of insured drivers. According to reports, the Department is laying down plans of making car insurance mandatory in all the US states and is making sure that state authorities punish those who do not follow.<br /><br />Former Chair McGlade said that insurance premiums should be strictly regulated by each state. Private companies who take advantage by setting high prices are one cause why motorists think twice about being insured. Experts say that when car owners do not enough to pay for policies, they may begin to be blinded by price and deliberately exchange it for money. McGlade responds to this by saying that if these drivers are made to understand the real risk they are creating by not buying insurance, they will all think twice about not being insured.</span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-3959747697840166333.post-19725221916213794092009-12-04T06:45:00.000-08:002009-12-04T06:48:11.625-08:00Protection Still Possible Even without Uninsured and Underinsured Coverage<div style="text-align: justify;"><span class="fullpost"> </span><span class="fullpost">For certain states in the US, such as New York, getting concerned about uninsured drivers remains to be an option. New York and other states that still rules for uninsured and underinsured driver coverage to be optional, there are still ways to get protected from inadequately protected motorists.</span><br /><br /><span class="fullpost">According a recent research conducted by the Insurance Information Institute, out of every seven motorists in the United States does not have enough protection from auto insurance; and even though it’s only 1 out of 7, those with inadequately protection can greatly cause repercussions for insured motorists.</span><br /><br /><span class="fullpost">Reports say that Insurance companies claim that most of their policyholders do not bother to think much about the underinsured or uninsured motorist coverage portion part when they check their auto insurance policy; they only bother to do so when the time comes when there is an actual victim. According to Insurance Information Institute consumer spokesperson and senior vice president Jeanne M. Salvatore, drivers only care about underinsured or uninsured motorist coverage when they themselves are the victims or they run into someone who unfortunately has very little insurance coverage or no car insurance at all.</span><br /><br /><span class="fullpost">Unknown to a number of motorists, the coverage for uninsured motorists can compensate the insured driver, a member of his family, or a selected motorist for bodily damages that can come as a result of an uninsured motorist or a hit-and-run driver. On the other hand, the coverage for underinsured motorists comes to the rescue when the driver who caused the accident has not enough insurance coverage to pay you for overall loss. Underinsured motorist coverage also protects drivers in the unfortunate even that they are hit by a vehicle as a pedestrian.</span><br /><br /><span class="fullpost">The Insurance Research Council study conducted during the first quarter of 2009 shows that approximately 14% of all motorists in the US are uninsured, with considerable variations among each state. Mississippi (28%), New Mexico (29%), and Alabama (24%) are Included in the list of states with the highest percentage of uninsured motorists. Meanwhile, among the stats that has the smallest number of uninsured drivers are Massachusetts (1%), New York and North Dakota (both 1%), and Maine (4%).</span><br /><br /><span class="fullpost">For motorists who do not want to purchase uninsured and underinsured driver coverage, there are other means to receive protection. For states that follow the No-fault insurance laws (all in all there are 12 states and Puerto Rico that follow the no-fault system) victims can get benefits from their own insurance providers regardless if the other party has insurance coverage.</span><br /><br /><br /><br /></div><span class="fullpost"> </span>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-3959747697840166333.post-75849536557510171672009-11-24T08:34:00.000-08:002010-08-18T11:42:54.487-07:00Things You Need To Know About Modified Car InsuranceAutomobile modification is a type of hobby where people modify certain parts of the car to upgrade its performance and make it look more stylish. The auto modification industry is becoming larger than ever owing to the ever-growing number of auto modification hobbyists. However, to some individuals, auto modification is more than just a hobby. They consider it their own unique culture and lifestyle. People have their cars modified in different ways, depending on their intention, income, and individual lifestyle. These auto modification aficionados spend serious cash to “trick out” or “soup up” their precious rides with modifications that sometimes amount to thousands of dollars.<span class="fullpost"><br /><br />Needless to say, this type of hobby or lifestyle does not come cheap. However, this fact does nothing to stop a lot of people from spending a great deal of time and money for auto modification. It brings them a sense of great pleasure and accomplishment to customize their vehicles, even though they know that the more they modify their car, the more it will cost them if they encounter an auto accident. Every auto modification enthusiast should know the basic facts about modified car insurance, which differs from ordinary car insurance.<br /><br />Only a handful of auto insurance companies are willing to offer coverage to modified vehicles. Finding coverage for your modified car is not too easy, even at higher rates. A provider can consider giving coverage to cars with a modified body as well as cars with customized video and audio systems.<br /><br />Cars with modified engines, however, can be a problem to most auto insurance providers. This is because a modified engine accelerates a car’s speed, making it more tempting for a lot of drivers to speed up. This fact can pose a problem when obtaining modified car insurance. You have a lesser chance of getting an insurance policy if your car’s engine is all “souped up.”<br /><br />Apart from these important factors, auto insurance providers also consider the driver’s risk level when giving modified car insurance. Factors that determine the risk level include the driver’s gender, location, income, credit score, and driving record.<br /><br />Insurance companies classify modified cars into two types: “show cars” and “street cars.” It is easier to obtain modified car insurance for show cars, since show cars have lower risk level. On the other hand, “street cars” have a very high risk level since a street car has a greater chance of an auto collision.<br /><br />It might be a bit difficult for modified car aficionados to find a company willing to provide modified auto insurance coverage with affordable rates, but it is possible.</span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-51199398662913875002009-11-24T08:33:00.000-08:002009-11-28T08:35:18.418-08:00Basic Facts About Auto Insurance For Seniors<div style="text-align: justify;"><span class="fullpost"> One of the most affordable types of insurance policies in the market is auto insurance for seniors. Senior citizens, with their years of experience behind the wheel, are considered the most careful and most efficient drivers, thus the reason behind low rates given to this kind of insurance.</span><br /><br /><span class="fullpost">Some people say they get freedom and sense of accomplishment from driving their own car. However, it takes a lot of effort to perform all the tasks needed to drive effectively, a primary reason why most seniors decide to quit driving sooner rather than later. Auto insurance is very important for drivers both young and old. That is why when making a decision in choosing the right auto insurance for seniors, it is essential to be well informed of the different existing insurance polices for a better perspective regarding options and rates.</span><br /><br /><span class="fullpost">Those who fall in the age group of 50 to 75 are qualified for an assortment of special bargains when it comes to insurance policies. Since older people do not drive as much as their younger counterparts, those who can drive 10,000 miles per year are eligible to get discounts and special offers. For those seniors who go to the countryside to settle down, they will not be driving as much as they would if they live in the city. They are perfect candidates to get rebates in premiums since the chances of accidents happening in rural areas are lower compared to accidents happening in the city. The best option for people in this situation is to have their vehicles insured on their existing provider to avail of special discounts offered to seniors.</span><br /><br /><span class="fullpost">According to statistics, those aged 50 to 75 are the most responsible drivers; hence they generally are enabled to get the lowest rates when getting auto insurance for seniors. On the other hand, rates for those aged 75 and above are some of the highest since statistics show that they are prone to have fatal accidents during daytime.</span><br /><br /><span class="fullpost">One way of getting low rates in auto insurance for seniors is by maintaining a good driving record. Based on your good driving record, insurance providers will feel more secure and confident to give you the best deal since you are not putting their company’s name at risk. However, if in case you have made a violation a year prior to changing your insurance policy, try to make up for it by making your current record clean. In that case, you will be amazed at the discounts you will be entitled to get.</span><br /></div><span class="fullpost"> </span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-51503194401653615482009-11-24T08:28:00.000-08:002010-08-18T11:44:25.557-07:00Learn More About Used Car InsuranceMany people actually think there is huge difference between getting insurance for new cars and used cars. The truth is that the difference between new and used car insurance is very slight. The basic fundamentals are very much alike, but the details differ.<span class="fullpost"><br /><br />One major difference among the two is that auto insurance companies charge less for used car insurance. This is due to the fact that a company loses less money if a used vehicle gets damaged in an auto collision or gets stolen, compared to a newer one. This means that a policy holder pays less since a company can charge lesser for collision and other accident coverage.<br /><br />If you are a used vehicle owner, you might consider requesting to have higher deductibles to get lower rates. Because the price of a brand new automobile is higher than a used one, it normally has lower deductibles. Most car owners can save on the rates for a used vehicle. However, they have a higher possibility of paying more once they manage a claim.<br /><br />The car owner’s driving history is one of the most important assets in this case. This affects both new and used vehicles. Most car insurance companies also examine a car’s history and present condition before giving an insurance quote. A “dirty” driving record will obviously lead you to pay higher rates. Thus, it is definitely smarter to try to have a clean driving record before deciding to shop around for vehicle insurance or policy.<br /><br />Most vehicle insurance companies also consider another essential factor: the location where you drive and park your vehicle. If you make trips to suburbs and smaller towns, your used car has a lower possibility of getting in an auto accident, compared to driving in busy roads. Likewise, if you park your automobile in areas with high rates of car theft, companies would definitely think twice before they give you a quote.<br /><br />Lastly, the type of your car greatly affects your used car insurance rates. Therefore, if your used vehicle has high performance features, an insurance provider will most likely give you a higher premium rate, since the risk of car theft increases. It would be wiser to buy a protected family car that was previously owned by a responsible car owner. Insurance companies will feel confident and secure to provide coverage for your used car if it was properly maintained.<br /><br />Having your used vehicle insured is not difficult at all. You just need to learn about vital factors and requirements before you decide to buy a used car insurance policy.</span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-34282790928647135882009-11-24T08:27:00.000-08:002010-08-18T11:45:35.937-07:00What You Should Know About Car Insurance for WomenWhether you believe in double standards or not, women gain greater edge when it comes to availing <a href="http://insurancematic.blogspot.com/search/label/Car%20Insurance">car insurance</a>. Before men could dispute this issue, statistics dictate that women are more careful drivers and only make smaller claims, not to mention claims on miniscule bumps and a few scratches. Women are found to be less likely to figure in a car mishap, they are the ones who drive more carefully, and cover lesser distances.<span class="fullpost"> These factors, too, give women the advantage of paying lower premiums. However, paying lower cost is not equated with cheap prices. One does not mean the other. Before you get car insurance for women, here are some important factors to keep in mind.<br /><br />It pays to window shop. Unlike mall shopping, you may find window shopping for car insurance not as thrilling. However, paying more attention to this will yield more benefits for you in the long run. You can ask agents from different companies for quotes on the kind of policy or coverage you will need. You can either call or check them online and give their representatives a detailed account of your personal circumstances. Compare the quotes and benefits included once you receive them and make your assessment on which deal is the most reasonable. Moreover, talk to independent agents. Independent agents are carriers of several insurance companies. They have the knowledge and expertise to advise you on the best coverage when it comes to car insurance for women. Through agents like these, it is possible to gain unbiased perspectives on which coverage you should apply for.<br /><br />Take advantage of deductibles. Consider getting additional insurance features such as comprehensive insurance and third-party liability insurance with your <a href="http://insurancematic.blogspot.com/search/label/Car%20Insurance">car insurance</a> for women. When you include different features in your coverage, you will reduce the overall cost of your premium and you can get more savings.<br /><br />Avail of all discounts. Don’t you get thrilled on discounted purchases? Most women would. The same is true for purchasing <a href="http://insurancematic.blogspot.com/search/label/Car%20Insurance">car insurance</a> for women. Certain variables such as setting up an alarm system in your car, taking driver safety lessons, driving shorter distances, putting locks on the steering wheel and on the doors of your car will help reduce your premium costs dramatically. These signals the insurer that you are a mature driver and you would do everything possible to prevent any risks covered by the insurance from happening. You already have the advantage of being a woman and availing discounts will not only make you happy, but your insurer as well.</span>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-3959747697840166333.post-91283587586099361552009-11-24T08:23:00.000-08:002009-11-24T08:25:45.422-08:00Getting Instant Car Insurance Guide<div style="text-align: justify;"><span class="fullpost"> In this fast-paced world that we live in, everything seems instant. Car insurance is not an exception to this fact. These days, you do not have to wait for a follow up call from a representative or carrier; you can get instant car insurance in just a matter of minutes after choosing a quote. Getting one will provide you with immediate protection and spare you from unnecessary efforts of making follow up calls whenever you need to file claims. If you want to get instant car insurance, here are some suggestions:</span><br /><br /><span class="fullpost">Check the quotes of the product online. You can enter the keywords “instant car insurance” and sort through results provided by a search engine. Make sure that you pick out a website that offers such features and not just free quotes. These Internet sites provide online forms which you can fill out with pertinent information about yourself as well as your driving history. You can register for free in these websites by entering your personal data on the online form and it will only take a few minutes to an hour to get results. Wait for the results and check if the company will immediately process your request. Otherwise, do not bother getting a quote from them.</span><br /><br /><span class="fullpost">Solicit quotes. Do not simply settle on the first site you can find. The Internet is home to thousands of insurance providers offering instant car insurance online. Compare premium costs and benefits from each carrier and check which package fits best for your needs. These companies are competing for bigger market share of online consumers and you can find that premium quotes from each company are relatively close. However, the difference lies in the benefits enclosed in these package plans so carefully read the details as you select the right coverage for you.</span><br /><br /><span class="fullpost">Check a company’s reputation. Before you finally settle with a provider for your coverage, conduct due diligence or background check on the company. A lot of scheming people lurk behind seemingly reputable websites, so employ discretion. Research on the company registration, website certification, and contact information of an insurance provider you are considering. Search forums on the topic and check if the name of the company you are transacting with comes up. You can also check if this company is rated by Better Business Bureau (BBB). BBB is an independent firm that provides consumers with ratings of different businesses as far as their reputation and services are concerned. If your research would show that the insurance provider is reputable and reliable, you can proceed with your transaction and avail of their plan.</span><br /><span class="fullpost"> </span></div>Unknownnoreply@blogger.com1