In this video we’ll talk about accident insurance; why you should consider having it; what it covers and how it works.
Why should you consider accident insurance?
According to the National Safety Council, more than 25 million people in America suffered a disabling injury every year between 2005 and 2008.
If you’re in an accident, there may be medical bills and expenses that you did not anticipate, like high deductibles or other out-of-pocket costs.
Depending on the type of major medical insurance you have, some hospital bills, doctor’s fees, rehab and physical therapy costs may not be covered by your major medical insurance policy.
And, if you’re unable to work, your regular bills, like your mortgage or rent, utilities and auto payments don’t stop coming.
Unless you have a robust savings account that can handle large unexpected expenses, accident insurance may be right for you.
What can accident insurance do for you?
Accident insurance helps provide you with a way to stay ahead of the medical and out-of-pocket expenses that you may face after an accidental injury.
Accident insurance provides you with cash benefits that are either paid to you directly or that can be assigned to someone else — at your discretion.
And, you decide how best to spend the funds.
Accident insurance is designed to help you protect the money you’ve saved from large, unexpected expenses due to an accidental injury.
How does accident insurance work?
– With accident insurance you may receive cash benefits to help with expenses that may not be fully covered by your major medical insurance;
o things like Broken teeth;
o Confinement to an Intensive care unit;
o visits to the emergency room;
o and more.
– With accident insurance you may also receive cash benefits, which can be used at your discretion to help with things like housing, gas, electric and cable bills; or payments for vehicles – like cars, boats and motorcycles.
Accident insurance is designed to help provide you with peace of mind.
Property insurance is designed to cover your home or other piece of property in the event of a few very specific situations. Learn about property insurance with help from the owner of Eagle Insurance Group in this free video clip.
Expert: James Burrows
Bio: James Burrows owns Eagle Insurance Group in St. Petersburg Florida. He is well-known in the local community for taking great care of his customers, and has over two decades experience in insurance.
Filmmaker: Christopher Rokosz
Series Description: Property insurance is a very important thing to have for a wide variety of different reasons, some of which you can plan ahead for but many you can’t. Get tips on property insurance with help from the owner of Eagle Insurance Group in this free video series.
The next time you’re on the freeway, think about this: Approximately one of every seven U.S. drivers on the road has no automobile insurance. That’s the most recent estimate from the Insurance Research Council, which noted that the five states with the highest percentage of uninsured drivers were Florida, Mississippi, New Mexico, Oklahoma and Tennessee. With that many people driving without coverage, it’s more important than ever for you to be insured. But how much car insurance do you need to have?
If you’re like many people, you might be in an economic pinch these days. Your inclination might be to get the minimum insurance coverage required by law in your state. The trouble with minimum coverage is that it might not fully protect you — or your assets — if you’re at fault in an accident. It’s a better idea to carry more than the minimum coverage unless you are driving an older car with little value and have no assets to protect.
Every state in the nation except for New Hampshire requires you to have liability insurance. That mandatory coverage varies according to state.
The chart below shows minimum liability limits (in thousands of dollars):
Bodily injury liability for one person in an accident
Bodily injury liability for all people injured in an accident
Property damage liability for one accident
In Alabama, for example, the minimum requirements are $25,000 of bodily injury liability for one person, $50,000 bodily injury liability for all people in an accident and $25,000 property damage liability. Another type of coverage, personal injury protection (PIP), or a system called medical payments (MedPay) in some states, pays for your own medical expenses, any lost wages and whatever other costs may arise when you’re injured in an accident. It usually pays about 80 percent of your losses, and it also pays a death benefit. PIP is required in Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. In Arkansas and Maryland, the coverage is not required, but drivers must reject it in writing if they choose not to purchase it.
Some states also require you to purchase car insurance that will cover your medical expenses, pain and suffering losses and, in some states, car damage, in the event that the other motorist is at fault and is either uninsured or underinsured. The chart below also lists the states that require this uninsured or underinsured motorist coverage.
Find Your Rate In Less Than A Minute. Get a car insurance quote online, or contact a local Farmers agent to learn about auto insurance coverage. You’ll receive outstanding auto insurance protection and excellent service at a reasonable rate.
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When trying to find out how much is home insurance, it’s a good idea to first understand how a home insurance rate is calculated. Home owner insurance rates are determined by many factors, but the most important thing to consider when looking for cheap home insurance quotes is making sure you have the proper home insurance coverage. Watch this episode with Rob Atto of Atto & Associates where he explains how home insurance rates are calculated, and how you can save money on your home owner insurance policy.
For more information on home insurance, contact Atto & Associates:
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To get quotes for auto insurance Edison NJ, click on this link; http://newjerseyhere.info/Edison-nj-auto-insurance
Auto insurance is a requirement in New Jersey but as an Edison driver, you do have quite a few choices when it comes to you obtaining auto insurance.
New Jersey State law does require that any registered vehicle be covered by an auto insurance policy. If you fail to maintain coverage, this can lead to higher prices for any new policies that you may need to arrange especially if you get placed in the assigned risk group. It can also result in suspension or revocation of your driver’s license or registration as well as incurring additional fines and penalties.
Always make sure that you pay your policy on time or your policy lapsing may end up causing ongoing problems for both you and your car. A driver in New Jersey who lets his or her policy lapse could end up paying far more for automotive insurance. Reducing this back to a more standard rate can usually only be rectified by time alone. If you end up not paying your insurance premium on time, the company has the right to cancel your policy and in all likelihood will do so. If you are a really good customer with little history of claim they are quite likely to look after you and they try to keep your business. However if you are a high risk client who they still want to keep you can find that your premiums may be significantly more. Getting another insurance policy from another insurer may prove to be difficult if you are high risk and it may cost you more if you let your policy lapse and go without insurance for a period of time. A lapse that exceeds thirty days puts you into a higher chance of being put into the assigned risk market which creates more difficulties for you.
Whether or not the insurance company will terminate a policy for late payment depends upon then payment type. Many insurance companies will allow their policyholders to make their payments by installment on their premiums and may also accept any late payments received after the due date depending upon you, your record and the reason for the delay. They allow this because they already have a policy in place and there may be some premiums that you have already paid available to continue with the cover for a short time. If however they do not receive a payment, the company can, and will, issue you a notice of cancellation
for non-payment of the due premium. If you do not that this overdue payment is not received by them before the required reminder date, they will terminate the policy and you will find that until the payment they require for renewing the policy is paid, you will have no policy to cover you. If you do not satisfy their requirements by the due date, the policy you had with them expires and the policy they offered does not become active nor does it become effective. If you want to continue with coverage with the particular company, the company will have to write you a new policy.
To find a good cheap auto insurance company in New Jersey, go online and search for terms such as;
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Find a list of all NJ Auto Insurance companies at http://newjerseyhere.info/all-nj-auto-insurance-companies
You will also find some further tips at http://newjerseyhere.info/car-insurance-in-nj