Posts tagged with: "insurance"
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6 Aug 2012, 1:40 pm
In a tight economy, people are looking for ways to trim their budgets. Many insurance companies advertise that they can lower your rates. However, sometimes you’re getting a lower rate because you are getting different coverage. When shopping for insurance you should do the following: Review your Declarations page: The Declarations page lists what types [...] [read post]
21 May 2010, 9:18 pm
Sooner or later, it may become necessary for someone else to drive your vehicle and you want to make sure that there is insurance if they are involved in an automobile accident.
Generally, insurance follows the vehicle, not the driver. If it is your car, then the insurance coverage you have purchased for your vehicle would provide primary coverage. Any insurance policy your friend has purchased would become secondary. Primary simply means that your insurance company should pay the claim first.… [read post]
19 Nov 2012, 11:03 am
Nearly all insurance policies contain a clause entitling the insurer to take an examination under oath (EUO) of the insured. In North Carolina, the provision is most commonly invoked in the context of homeowner’s insurance claims. For the vast majority of property damage and personal property claims, the insurer will pay for the loss based [...] [read post]
27 Sep 2010, 1:09 pm
It was reported on Tuesday, September 21st by the Missouri Department of Insurance that eight companies and individuals have been accused of selling fake health plans. The fines against these companies and individuals is more than one million dollars.
The companies sold plans that were disguised as medical insurance. The plans were marketed through unsolicited faxes which at least 150 Missouri Consumers bought. The faxes said things such as "Dependent Coverage" and "Group Health Plan."
$130,000 in… [read post]
17 Jul 2012, 2:12 pm
Consumers purchase life insurance policies to ensure that their families are financially cared for when they pass away. The life insurance policy is a contract whereby you pay your premium and, in exchange, the life insurer pays out the death benefit to your beneficiaries if you die during the policy period. In determining whether to [...] [read post]
4 Sep 2011, 11:50 am
If a tree falls on your house or building because of Tropical Storm Lee, you should make a claim with your own insurance regardless of whether the tree was growing on your property or another person's property before the storm.
Fortunately, you should not have to pay a hurricane deductible since Tropical Storm Lee is not a hurricane. Make sure to take photographs of the tree before removing it from the home.
Furthermore, you should check for structural damage to your home as well as for any… [read post]
21 Dec 2010, 8:51 am
A.M. Best Co. has affirmed the financial strength ratings and issuer credit ratings of the property/casualty and life/health subsidiaries of American International Group, Inc. ("AIG") on December 20,...
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2 Nov 2010, 9:24 pm
The November 2010 issue of Best's Review includes the supplement "2010 Insurance Facts and Stats: An Introduction to the Insurance Industry". It is full of plenty of relevant and useful information...
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4 Jun 2010, 3:06 am
Now that Hurricane season is here, there are several helpful publications prepared by The Louisiana Department Of Insurance that you may wish to review for informaiton about homeowners, flood and business interruption insurance as well as how to prepare for both before and after the storm. These publications include:
Hurricane Tracking Map and Preparedness Guide.pdf
After the Hurricane Hits.pdf
Weathering the Storm.pdf
What should I do if my property is flooded.pdf
Consumer 101 Fliers for… [read post]
2 Dec 2009, 11:46 am
As a quick FYI, today the House Financial Services Committee unanimously passed, by voice vote, H.R. 2609, the Federal Insurance Office Act. "Today, the Financial Services Committee completed its initial work to reform the regulatory structure of the financial services industry by passing my Federal Insurance Office Act," said Chairman Kanjorski. "I have been working on this bipartisan bill since 2008, and I am pleased that the new Administration recognizes the importance of ensuring that the… [read post]
15 Mar 2013, 7:16 am
Q: How long it will take to resolve my case? Answer: I don't know. Anyone who tells you they know is either not being honest with you or saying it just to get you to hire them. A good personal... [read post]
21 Mar 2011, 7:00 am
Life insurance proceeds are paid out to beneficiaries tax free upon an insured’s death. However, the proceeds are included in calculating the value of the decedent’s estate. While many clients believe their estates are not significant enough to worry about tax planning, one large life insurance policy can cause his or her estate to become [...]Irrevocable Life Insurance Trusts is a post from: Epilawg [read post]
31 May 2010, 2:24 am
The National Oceanic and Atmospheric Administration is predicting an "active to extremely active" 2010 hurricane season for the Atlantic with 14 to 23 named storms this season, of which 8 to 14 will turn into hurricanes and 3 to 7 of those will grow into major hurricanes with sustained winds of at least 111 miles per hour.
Colorado State University forecasters have issued similar predictions: 15 named storms, 8 hurricanes and 4 major hurricanes.
Additional Resources:
National Oceanic and… [read post]
23 May 2010, 2:47 am
In connection with Hurriicane Preparedness Week, NOAA is providing information on its website to save lives at work, home, while on the road, or on the water durring Hurricane season. NOAA says before a Hurricane threatens, you should be able to answer the following questions:
What are the Hurricane Hazards?
What does it mean to you?
What actions should you take to be prepared?
Hurricane hazards include: storm surge, high winds, tornadoes, and flooding. Your family should plan for all of… [read post]
29 Nov 2012, 6:13 am
If you were among the many business owners in our region that were adversely affected by Hurricane Sandy, then you may have a claim under your Business Owner’s Policy (BOP). A BOP policy contains a package of various types of coverages. I recently checked our policy and believe that we have three types of applicable [...]The post Your Business Owner's Policy May Provide Coverage For Your Company's Hurricane Sandy Losses appeared first on NY Ticket Attorney. [read post]
9 Aug 2011, 4:40 pm
This is part 2 of the blog series discussing life insurance trusts and estate taxes.
6. What if my estate is larger than this?
I) If the trust buys the insurance, it will not be included in your estate. So the proceeds, which are not subject to probate or income taxes, will also be free from estate taxes.
II) Insurance proceeds are available right after you die. So your assets will not have to be liquidated to pay estate taxes.
III) Life insurance can be an inexpensive way to pay estate… [read post]
18 Jan 2012, 5:14 am
Dear Fellow Agriculture Attorneys (and Law Students):
This is a friendly reminder to register for the crop and livestock/equine insurance law CLE that is scheduled for Wednesday, January 25, 2012. The CLE is hosted by the American Bar Association (“ABA”) General Practice, Solo & Small Firm Division’s Agriculture Law Committee. If you cannot attend the live webinar, a recording can be purchased from the ABA. We have an outstanding faculty put together and I believe it will… [read post]
3 Jun 2011, 7:45 am
Here’s a question I received about filing an insurance claim after a car crash:
I was rear-ended by someone on the Long Island Expressway. The accident was no fault of mine. What I am struggling with is whose insurance to go through. Should I go through mine or hers? What are the pros and cons of going through hers instead of mine and which do you recommend I do? [read post]
1 Jul 2011, 3:08 pm
Authorities in Washington have fined Unum Life Insurance Co. of America after it sold hundreds of long-term care insurance policies that hadn’t been updated to reflect changes to state laws.
On Jan. 1, 2009, new regulations pertaining to long-term care insurance took effect in Washington. Specifically, the changes contained provisions governing unintentional lapses in coverage, definitions and standards continuation of coverage provisions and required disclosure provisions.
The… [read post]
2 Jan 2010, 6:50 pm
The following structured annuity issuers made the 2009 Life Health Ward's 50® Top Performing Insurance companies:
Metropolitan Life Insurance Company
New York LIfe Insurance Company
Symetra Life Insurance Company
USAA Life Insurance Company (writes structures for its own book)
Each year Ward Group analyzes the financial performance of over 3,100 property-casualty insurance companies and over 800 life-health insurance companies domiciled in the United States and identifies the top… [read post]