Dash Cam insurance scams, incredible compilation! Auto insurance scams are more common than you might think.
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This is why russians and asians need dashcams in cars. There are people that try and scam, but unfortunately for some it doesn’t go according to plan.
If you become a victim of car insurance fraud, you pay. It is important to learn more about fraud protection so you can protect yourself from others who may choose you to be a part of their next car insurance accident fraud scam.
It’s a good thing the drivers had a dash cam because insurance scam attempts were just pathetic.
Have you ever wondered why so many cars are equipped with dash cams? It’s because insurance scams, where pedestrians make themselves get hit by a car in an attempt to get money, is way more popular than it should be. If the vehicle did not install a dash camera, this insurance scammer (pedestrian) would have gotten what he want.
Featuring data from over 15,500 customers worldwide and 165 insurance executive surveys, the World Insurance Report 2015 from Capgemini and Efma analyzes the advent of several major disruptors coupled with an alarming drop in positive customer experiences and suggests insurers need to take a hard look at preparing for the future.
Baffled by premiums, deductibles and out-of-pocket maximums? Here is an overview of health insurance that will help clear things up and give you a better sense of how your money is spent.
How to sell life insurance the easy way. Must watch!
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If you would like more information on life insurance training and in-book policy management, email me at: tristanwthomas@LISacademy.com
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Intro to Insurance: Property and Casualty Insurance
Property and casualty insurance is insurance that protects against property losses to your business, home or car and/or against legal liability that may result from injury or damage to the property of others. This type of insurance can protect a person or a business with an interest in the insured physical property against losses. Let’s examine some of the things to look for in the different types of property/casualty insurance.
Auto Insurance
Coverage: An auto insurance policy typically covers you and your spouse, relatives who live in your home and other licensed drivers to whom you give permission to drive your car. The policy is “package protection”, which provides coverage for both bodily injury and property damage liability as well as physical damage to your vehicle. This damage can include both that caused by the collision and damage cause by things “other than collision”, such as flood, fire, wind, hail, etc.
Common Types of Coverage: Auto insurance typically covers personal injury (PIP), medical payments, uninsured motorist, underinsured motorist, auto rental, emergency road assistance and other damages to your car not caused by a collision such as flood, fire and vandalism. Other coverage is available, too.
Deductible: The deductible is the amount that you will pay out of pocket when you file a claim. Typically, the higher the deductible, the lower your premiums.
Insurance Rates: How much you pay will depends on many factors, including your driving record, the value of your vehicle, where you drive, how much you drive, your marital status, your desired coverage, your age, gender and even your credit history.
It’s important that you get the right coverage for your situation, and first you need to understand what’s available. There are five main categories or types of auto insurance coverage. Let’s go through them.
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Sonia Gil gives you the ins and outs of everything you need to know about Travel Insurance.
Squaremouth: http://goo.gl/vLciDw
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Some people think that Life Insurance is too complicated. The truth is, it doesn’t need to be.
In this video, we’ll tell you more about what Life Insurance is, its history, and the technical terms associated with it so you can understand it better.
For other related videos, check out our Life Insurance 101 series: http://www.youtube.com/playlist?list=PLmEAUzx3IW_fZJBLHs134bya1LRkNnDUd
While everyone that drives in this country has to have some form of auto insurance by law, many do not understand the basics of their policies. While we don’t all have to be auto insurance experts, it is important to at least comprehend the major bricks that build our auto insurance policies.
Collision Coverage.
This covers loss to your own auto caused by its collision with another vehicle or object. If you cause an accident, collision coverage will pay to repair your vehicle, and is normally the most expensive part of an auto insurance policy. You must choose a deductible, which is the amount you, the insured, must pay before the insurance company pays the remainder of each covered loss. The higher the deductible, the lower the premium costs. However, keep in mind that this is the amount you must pay (generally to the repair shop) if your vehicle is damaged, so deciding on your deductible, which directly affects your premium, can be a bit of a balancing act.
Comprehensive Coverage.
This covers damage to your vehicle caused by an event other than a collision or overturn. Examples include fire, theft, vandalism, and falling objects. This also comes with a deductible you select, which is how much you will pay before the insurance company pays the remainder.
Liability.
The official definition of liability from the InsWeb glossary is: “That portion of the insurance contract which pays and renders service on behalf of an insured for a covered loss arising out of the insured’s responsibility to others imposed by law or assumed by contract.” In simpler terms, if you are at fault in an accident, liability insurance will pay to cover injuries and property damage costs caused to others in the accident (including your legal defense costs, if applicable). Bodily injury coverage pays for things like medical costs and lost salary to others; while property damage pays for repairs to other people’s property you damaged in the accident (other than your own car). Liability coverage (which is the state mandated part of your policy) is the basic building block of any auto policy, and minimum liability limits vary from state to state.
Below are some common extra coverage items that are available to you:
Medical Payments
This pays you and your passengers for medical and funeral expenses incurred in an auto accident, regardless of fault. It will also cover injuries sustained by you while you’re operating someone else’s car (with their permission), in addition to injuries you or your family members incur when you are pedestrians.
Personal Injury Protection
This is the name usually given to no-fault benefits in states that have enacted mandatory or optional no-fault auto insurance laws. Personal Injury Protection (PIP) usually includes benefits for medical expenses, loss of income from work, essential services, accidental death, funeral expenses, and survivor benefits.
No-Fault Insurance
Many states have enacted auto accident compensation laws permitting auto accident victims to collect directly from their own insurance companies for medical and hospital expenses regardless of who was at fault in the accident. Although there are many legal variations of no-fault insurance, most states still allow people to sue the negligent party if the amount of damages exceeds a certain state-determined threshold.
Uninsured/Underinsured Motorists Coverage:
Uninsured Motorists Bodily Injury
Uninsured Motorists Bodily Injury (UMBI) covers you for all sums (up to your policy limits) if an accident occurs with an uninsured or hit-and-run motorist who is determined to be legally at fault.
Underinsured Motorists Bodily Injury
Underinsured Motorist Bodily Injury covers you for all sums (up to your policy limits) if an accident occurs with a motorist who is underinsured (i.e., they carry bodily injury limits less than your UMBI limits and less than the amount of the injuries).
Uninsured Motorists Property Damage
Uninsured Motorist Property Damage (UMPD) Liability coverage pays for property damages caused by uninsured drivers.
There are also other extra items, such as rental reimbursement and towing and labor charges in case of a breakdown. As mentioned above, please visit the Insweb Auto Insurance Glossary for further definitions.
Remember to keep yourself adequately covered; while having the bare minimums required by each state may keep you in compliance with state laws, they may not be enough to protect your assets if you have a major incident. Insurance experts recommend that you review your insurance policy often and thoroughly.
Auto insurance can be confusing! Briefly learn about the four basic coverages included in a standard personal auto policy. For more on Personal Auto Insurance, visit our website at http://www.central-insurance.com/docs/auto-main.htm.
Life Insurance Agents / Advisers must watch this motivational, inspirational, educational, success seminar in Hindi.
All the sales personals of every life insurance company in India
should watch this again and again esp. the agents and advisors of
Bajaj Allianz Life Insurance Company Limited .
Mr Anuj Agarwal
Birla Sun Life Insurance Co. Ltd
Mr Pankaj Razdan
MD & CEO
ANIL KUMAR SINGH
HDFC Standard Life Insurance Co. Ltd
Mr. Amitabh Chaudhry
Mr. Srinivasan Parthasarathy
ICICI Prudential Life Insurance Co. Ltd
Mr. Sandeep Bakhshi
SATYAN JAMBUNATHAN
ING Vysya Life Insurance Company Ltd.
Mr.Kshitij Jain
Mr.B.N.Rangarajan
Life Insurance Corporation of India
Mr. S.K. Roy
P K ARORA
Max Life Insurance Co. Ltd
Shri Rajesh Sud
Mr. Sanchit Maini
PNB Metlife India Insurance Co. Ltd.
Mr Tarun Chugh
MD & CEO
P.K.Dinakar
Kotak Mahindra Old Mutual Life Insurance Limited
Mr. G. Murlidhar
Mr. Sunil Sharma
SBI Life Insurance Co. Ltd
Mr. Atanu Sen
Mr. Sanjeev Kumar Pujari
Tata AIA Life Insurance Company Limited
Mr. M. Suresh
Mr. Heerak Basu
Reliance Life Insurance Company Limited.
Mr. Anup Rau Velamuri
RAJESH DALMIA
Aviva Life Insurance Company India Limited
Mr. T. R. Ramachandran
Mr. Sanjeeb Kumar
Sahara India Life Insurance Co, Ltd.
Mr Sanjay Agarwal,
MD & CEO
Mr. Pravir Chandra
Shriram Life Insurance Co, Ltd.
Mr Manoj Kumar Jain
Mr. Nelius Bezuidenhout
Bharti AXA Life Insurance Company Ltd.
Mr. Sandeep Ghosh
Mr. Rajeev Kumar
Future Generali India Life Insurance Company Limited
Mr Munish Sharda
CEO (Officiating)
MAMATA PANDEY
IDBI Federal Life Insurance Company Ltd.,
Mr R K Bansal
MS. RUCHI GOEL
Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd.
Mr. John David Holden,
CEO & WTD
Mr. Chirag Shamji Rathod
AEGON Religare Life Insurance Company Limited.
Mr K S Gopalakrishnan
Patrick Curtin
DHFL Pramerica Life Insurance Co. Ltd.
Mr. Pavan Dhamija(MD & CEO)
Mr. Pradeep Kumar Thapliyal
Star Union Dai-ichi Life Insurance Co. Ltd.,Mr. Girish Pandurang Kulkarni
(MD & CEO)
Mr. I SAMBASIVA RAO
IndiaFirst Life Insurance Company Limited
Dr. P. Nandagopal
Mr. Chandan Kumar Khasnobis
Edelweiss Tokio Life Insurance Co. Ltd.
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Balva is an unrated Latvian insurer that has been prohibited from writing new UK business by Latvia’s Financial and Capital Markets Commission as of 1 March 2013. As such the Solicitors Regulation Authority confirmed on Friday that it is writing to the 1300 firms that currently hold professional indemnity insurance underwritten by the insurer.
Commenting on the announcement, Ben Waterton, Director in the Professional Risks Practice at Gallagher London and solicitors’ PII specialist, said: “It is understood that Balva currently insures more than 1300 firms in the UK and while, at this stage, the ban does not affect any existing policies in force, this development must surely be another embarrassment for the SRA. Once again it has failed to address the continued issue of unrated insurers – despite approving them to sell PII.
“In recent years we have seen both Quinn and Lemma, going into administration in the solicitors’ PI space and this should serve as a wake-up call to the SRA to demonstrate stronger leadership on this issue of insurer ratings. Let’s not forget that another professional regulator, the Royal Institution of Chartered Surveyors, took decisive and positive action on this matter in 2008 when it removed Quinn from its list of recommended PI insurers. So we’ve seen that it can be done elsewhere.
“That decision followed the Irish insurer’s withdrawal from its contract with credit rating agency Moody’s, as it no longer met the RICS’s minimum criteria, which stipulated all insurers must be rated by an external rating agency to pre-defined levels.
“The trend is there to be seen so it’s simply not good enough to sit there with a ‘fingers crossed’ attitude that ultimately puts law firms, typically in the sub four partner area, in a very distressing position – notwithstanding the pressures they face elsewhere.”
The Financial Conduct Authority website confirms that the Latvian regulator has prohibited Balva, which operates in the UK through passporting rights, from writing any new business in the UK, effective 1 March 2013.
Waterton added: “It is understood that a number of these 1300 firms obtained a two-year policy which, subject to the structure of the deal, could be compromised if this restriction continues through to the main October PI renewal season. If the ban continues past that point, it would mean over 10% of the profession would be forced to find and compete for the attention of a new insurer at renewal within what is already a challenging period for firms, due to the prevailing macro economic and legal services environment.”
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Insurance companies make money in a number of different ways depending on the situation. Find out about how insurance companies make money with help from a financial expert in this free video clip.
Expert: David Boike
Bio: David Boike, Founder and Managing Member of Retirement Resources, is a veteran in financial services with nearly three decades of experience.
Filmmaker: Jerome Sawyer
Series Description: The details regarding a particular insurance policy change depending on exactly what type of policy you’re talking about. Get information on various types of insurance policies with help from a financial expert in this free video series.
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