If you have been injured in a car accident that was caused by someone else, there are a number of things that may happen. If the insurance company is unwilling to settle the case without requiring your lawyer to file suit, you may have to be deposed.

If you sue, and the case progresses, the insurance company’s lawyer will want to take your deposition. The other side gets to ask you questions in a deposition. You have to answer under oath, often with a video camera recording what you say. Whenever you are asked questions in a deposition, your lawyer will be by your side.

You may be shown documents during your deposition, or you may simply be asked what you understand and what your memory of what happened is. Regardless, your answers to the questions asked are very important, and may be used later by your lawyer or the insurance company’s lawyer.

A deposition is an odd social interaction, and it can be a challenging thing to go through. The other side’s lawyer is trying to use the deposition to keep from having to pay you what you deserve for your injuries, and they have done depositions before. This may be the first time you have ever been in a situation like this.

With this in mind, here are three simple rules to keep in mind for your deposition. If you focus on these three rules, you should be able to navigate through this deposition well.

RULE 1 – UNDERSTAND EACH QUESTION BEFORE YOU ANSWER IT

The best thing you can do in a deposition is to focus on each question that is asked of you and make sure you understand it before answering. This lets you make sure you know what you’re supposed to talk about, and it lets your lawyer object if a question isn’t appropriate.

The other side’s lawyer is allowed to ask you questions about your case. They aren’t allowed to have you just talk about the case in an unfocused way. If you do that, you can accidentally give them valuable information without realizing it.

Worse, it may be that you are about to tell the other side something that you shouldn’t. If you just start talking, your lawyer may not be able to tell what you’re going to say if it isn’t in response to a question. You may accidentally say something you shouldn’t.

RULE 2 – ALWAYS TELL THE TRUTH

It seems simple enough, but people can have a hard time following this rule. Most people don’t just make things up – if a light was red, and they remember it as red, they’ll say it was red.

Instead, people run into trouble where they are trying to answer something and they overestimate their memory. If you don’t remember that the light was red, don’t say the light was red. If you don’t remember whether the light was green or red, don’t say that the light was red. It isn’t your job to guess in a deposition. If you don’t know, say you don’t know. Answering affirmatively when you really don’t know can let the other side think you’re a liar.

RULE 3 – LISTEN TO YOUR LAWYER

Your lawyer is there for a reason. Listen to him or her. If your lawyer says not to answer a question, don’t answer the question. If you don’t understand what’s happening, ask for a break and confer with your lawyer. Make sure you sit down with your lawyer before your deposition and prepare. But, in the end, follow the lead of your lawyer when preparing for your deposition, and while you’re in the deposition. A car accident lawyer can only help you win your case to the extent that you let them; when you’re in the deposition, let your lawyer do his or her job.

With these three rules in mind, you should be able to make it through your deposition fine.

Source by Matt Kaiser

Workers Compensation Funding is actually cash advance against your pending workers compensation settlement, claim or lawsuit. These are non recourse workers comp loans which you pay back only when you win or settle your workmans comp case, claim or lawsuit. If you lose your case or claim you need not to pay back to workers compensation loan funding company. It is also called as workmen comp loans, and workmens comp settlement loans.

What is Workers compensation or Workmans comp?

In our country, Workers compensation, Workmen Comp or Workmans comp is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Federal government administers a workers comp program for federal and certain other types of employees.

Each state has its own workers compensation or workmans comp laws to handle claims from employees who are injured on the job. While most injured workers recover quickly, those more seriously injured may have difficulty with their employer or with the workers compensation system. Those may need help of an expert workers comp. attorney to file a lawsuit.

The bitter truth about workmens compensation settlement or claim is that, even if you win your claim or settlement, you may lose because the money comes too late. But workman compensation funding or workmens compensation loans give you the breathing time to wait for a fair workers compensation settlement or claim. It is not just the money you get when you receive workers compensation funding. But a workmans comp loan in time helps to take away emotional stress of you and your family.

Most workers compensation loans funding companies will not fund a Workmans comp. settlement, claim or lawsuit if the state statute concerning direction of payments requires the claim to be paid directly to the claimant and not first to the trust account of claimant attorney. These states are: AR, AK, CA, DC, HI, KS, KY, MA, MD, MN, NC, NJ, NV, NY, OR, PA, TX, UT,VA, WA, WI. But Third Party Liability lawsuits are funded by lawsuit funding companies in every state except in Ohio.

Third Party Liability Lawsuit:

When an employee is injured in the course and scope of employment as a result of a negligent third party, the employee has the right to pursue a claim or lawsuit against the third party in addition to pursuing a workers compensation claim. For example, a postal worker bitten by vicious dog of a customer, a work place injury caused by a faulty machine supplied by a vendor.

If you are involved in a Third Party Liability lawsuit you can get a lawsuit cash advance. It is called lawsuit funding or often referred as lawsuit loan, litigation financing, pending lawsuit loan, lawsuit advance funding and personal injury lawsuit funding.

When you get workers compensation funding or workers comp loan you are not taking any risk. These are non-recourse loans, which you pay back only if you win your workers compensation case or workers comp claim.

It is a bitter reality of workmens compensation settlement claim or lawsuit. You may have a strong workmen comp case or lawsuit and a great attorney representing your case, but the insurance companies can afford to wait. But you can not, you need money now. Without a workers compensation funding or workmen comp loan, you may have no choice except to settle your claim for whatever you can get.

But with workmen comp funding or workman comp loans, you also get the advantage of some deep pockets yourself if you get your workers compensation funding or workmen comp loan from a good and solid lawsuit funding company. A solid workmen comp funding company is always backed by vast institutional funds. So you will not have to accept too little too early from the insurance company that provides your workers compensation coverage.

There is no reason to settle for less than your workers comp claim or third party liability lawsuit is worth. Eliminate the need to accept a minimal settlement amount due to personal financial pressures, and get the fair and just settlement you deserve. Workers compensation funding or workmans comp loan, from solid workmen comp funding company empowers plaintiffs to pursue their Workmens compensation claim or third party liability lawsuit cases in order to get the maximum settlements they deserve.

Source by Paul Sherman

When you file a personal injury lawsuit, there are a number of different types of damages that may be available to you. Some of these damages are for actual financial losses and include things such as lost wages and payment for medical bills. Other damages are for losses that cannot be measured in dollar amounts. These include “compensatory” damages including payment for the pain and suffering you endured.

Calculating Pain and Suffering

Personal injury damages are intended to make a plaintiff whole for injuries he suffered after an accident. Because a person suffers pain when he is injured, he needs to be compensated for this in order to make him whole.  Unfortunately, it is very difficult to put a dollar amount on how much pain is worth or how much someone should be paid for the suffering they endured.

To help calculate appropriate pain and suffering damages, some insurance companies use something called a “pain multiplier.” Essentially, this means that the insurance company assesses the actual financial loss (the cost of medical bills and lost wages) and then multiples this actual amount of loss by a given number or multiplier. The typical range of a pain multiplier can be anywhere from 1.5 to 5, although this can vary from insurance adjuster to insurance adjuster and company to company.

This pain multiplier may be used as a starting point for negotiations when it comes to agreeing on pain and suffering damages. If you and the insurance company settle outside of court, for instance, the pain multiplier may be used to come to an original settlement offer that you can then negotiate or adjust depending on the situation.

In many cases, however, simply multiplying your economic damages by a multiplier is not sufficient to truly give you an indication of what your pain is worth. For instance, someone who suffered a more serious injury but who makes a lower income would not be entitled to less in compensation than someone with a more mild injury but who has to take a long time off from a high paying job. As such, other factors can be considered in determining pain and suffering as well. An experienced personal injury lawyer can help you to determine what factors should be considered when evaluating what your pain and suffering claim is worth.

Proving Pain and Suffering

One factor that can be considered in determining how much you should be compensated for pain is the question of whether you have actual evidence to prove that you are suffering. The more solid and concrete details you can provide about how your pain impacts your life, the easier it is to prove that you are entitled to larger pain and suffering damages. As such, many personal injury lawyers in the Houston and Beaumont areas will advise you to keep a pain and suffering journal or diary in order to ensure that you have clear records of your discomfort. Taking pictures of the extent of your injuries is another good tactic. Some people may even go so far as to video tape themselves going about their day in order to show how the pain impacts them. Your personal injury attorney will help you to decide what the best options are for you and will work with you on building a strong case.

Source by Jason M. Byrd

Anthem Blue Cross

Anthem Blue Cross is the health care company the people of California has trusted for several decades to protect their health at affordable rates. In fact, Anthem Blue Cross covers 8.3 million Californians – more than any other carrier in the state – and has today become a household name in California.

Anthem Blue Cross is a dynamic company constantly striving to create innovative health coverage solutions that are accessible as well as affordable to all Californians. Anthem Blue Cross provides customers a multiplicity of choice and flexibility in meeting their individual health care needs.

Unique offerings are available in the individual, small and large group, senior and similar segments and they include a full range of integrated medical and specialty products, such as dental, vision, life and disability coverage.

It has to be noted that Anthem Blue Cross has won many recognitions they can be proud of. Anthem Blue Cross HMO/POS has earned an Excellent Accreditation status from the National Committee for Quality Assurance (NCQA). Anthem Blue Cross PPO is the first and continues to be the only PPO in California to have earned a Full Accreditation from the NCQA5.

Two years back, they launched the Zagat Survey online tool, which will allow consumers to share their medical experiences with one another. The survey and results will be available free of charge to members via their health plan’s web site.

They go beyond covering health care needs and take extraordinary pain to educate people how to prevent illness and lead healthy lives. To accomplish this goal, they provide members with health-related resources and information. They recommend preventive care by asking members to take precautionary screening, undergo immunizations and participate in counseling programs for preventing major illnesses.

Blue Shield of California

To those who may not be aware, Blue Shield Ca is an independent member of the Blue Shield Association and more than that, they are a not-for-profit health care organization committed to providing Californians access to high-quality health care at an affordable price.

As a not-for-profit health care institution, Blue Shield is guided by certain ethical values, which enables them to be a catalyst for innovation and constant improvement.

Blue Shield of California supports and celebrates the different life paths of their clients. Their service helps many people in the Golden State of California live robust, healthy lives free from serious illnesses.

Blue Shield has a long enviable history of providing access to quality health care for millions of Californians with diverse lifestyles, different health conditions and different medical care needs. As a not-for-profit organization, their endeavor is more about preserving the health of their members than about dollars.

Anthem Blue Cross and Blue Shield

Companies like Anthem Blue Cross and Blue Shield must stay competitive especially with their continuing changes in the health care system. By offering better coverage, they can still compete not only with each other but also with what the government will be offering. There are also controversial issues like abortion and Medicare that the government will have to deal with before anything can be passed.

Companies like Anthem Blue Cross and Blue Shield can take advantage of whatever market the government leaves behind. For instance, large corporations like Anthem Blue Cross and Blue Shield, can choose to cover abortion costs whatever the government chooses to do.

Source by Sharma

A lot of people consider taking coverage for life, retirement, vehicles and health. However, most of them don’t seem to consider dental insurance amongst their top priorities. However, maintaining yourself is part of staying healthy and a lot of people frequently experience a wide array dental problems. Metlife dental insurance is quite an attractive coverage option with some very good reasons why one should consider paying a premium.

Spread the Costs Evenly

By taking up an economical MetLife dental insurance, you spread your dental care costs. Private dental treatment could be very expensive. The cost of dentists could vary in different cities and when you have to go to a dental hospital with sophisticated equipment as a one-off visit, it could cost you a lot. Similarly, every now and then there would be dental consultation charges when you want advice regarding the health of your teeth.

Affordable Dental Plans

MetLife dental insurance offers some affordable plans which are flexible and offer the best dental care for individuals as well as their families. These dental plans ensure that maintaining your dental care and that of your family members doesn’t come at a great cost. You don’t have to pay hefty premiums to get dental coverage thanks to the insurance schemes offered by Metlife.

Extensive Dental Care Network

With 90,000 dentists across the country, your dental care is in safe hands, wherever you might be. Signing up for Metlife dental insurance would mean that you can avail the services of the thousands of healthcare facilities and the dentists who are part of this wonderful network.

Customized Dental Plans

Every person’s needs vary and so should the dental insurance plan as one scheme cannot fit all the requirements. MetLife dental insurance offers personal dental plans for the customers, so that they could choose the terms based on their own convenience. The amount of premium and the deductible that has to be paid at the time of final payment for the services could be flexible too based on the costs that you could afford and the coverage you would want for dental care. Moreover, it will ensure that regular dental checkups are taken care of. This way, you and your family can be assured of proper dental care thanks to periodic consultation.

Dentist Coverage Out of Network

If there are no dental facilities around, you could avail services of your private dentist and the expenses could be reimbursed.

Source by Thunder Shark

Whiplash occurs when your head is hurled backwards violently and then forward with as much force. This winds up injuring your neck. Whiplash can harm the nerves and muscles in the neck. It can last a few weeks but sometimes it can have long term effects on your life giving you neck problems off and on throughout your life.

Many times this injury occurs in a car accident but can happen other ways too. About one million people yearly have a whiplash injury in the United States. About a fourth of these have lasting pain and some level of disability from the whiplash. So whiplash is a serious injury and should not be taken lightly.

Insurance settlements for whiplash is a big issue. With so many people getting them each year in car accidents more and more money is being paid out in settlement money. Billions of dollars are paid out from insurance companies each year in the US for whiplash claims.

It does not have to be a major car accident for you to get whiplash. It can happen with the minor fender-bender accidents too. So make sure you get checked out for whiplash no matter what kind of accident you have. You do not want to ignore the possibility.

You should also be concerned over getting a settlement for whiplash. Since whiplash can cause you lasting problems in some instances, you deserve some kind of settlement through the insurance claim process. You can get from several hundreds of dollars to several thousand dollars. This usually depends on whether you have a lawyer involved in your case or not. Even though you have to pay a lawyer a certain amount of money to help you with your claim, they often can get a higher settlement for you. They just know how to negotiate with the insurance companies better than you do.

You have to have medical attention given to you to prove your claim. Diagnostic X-rays and other testing need to be used to confirm that you have whiplash. The doctor may even prescribe some physical therapy for you. All this is figured in on how much settlement you should get.

It is always wise to at least consult an attorney before settling with the insurance company. This way you will know if your settlement is the amount it should be. The insurance companies usually offer you a low amount at first, hoping that you will just settle with them and go away. But you need to be aware of what you can get if you get a lawyer and go for a higher settlement.

So with any accident make sure you are checked out thoroughly at the emergency room or doctor, to make sure you have no whiplash or other injuries. File your claims correctly with the insurance company and consult an attorney for help in your claim process. Then you will be doing everything you can do to get the best whiplash settlement you can get.

Source by Rex Bush, Doctor Of Jurisprudence, Attorney At Law

Last Saturday, the Arizona Daily Star published a story I wrote about a dramatic jump in the number of people enrolled in a state insurance program for Arizona’s poorest residents.

The income cutoffs for the Arizona Health Care Cost Containment System are so low that some people receiving unemployment insurance are earning too much to qualify. (The limit is $22,050 or less for a family of four per year).

After the story ran I received an email from a man with a heart condition who earns $10 a month too much to enroll. He doesn’t have health insurance through his job and can’t afford private insurance.

For people like him, AHCCCS would be well-served to expand its income limits.

On the flipside I was barraged with feedback from people like Connie Foust, who think the program is too big. Her big beef: undocumented residents.

“How many of these people are illegal aliens,” Foust asked in an email.

“That is where the story is.  Until the press in Arizona takes a long hard look at the problem, it cannot be solved and can only hurt those who truly need the help. Every time I read one of these articles I am disgusted by the dishonesty of the reporter,” she wrote.

The answer to Ms. Foust’s question is that undocumented residents do not qualify for regular AHCCCS. Even someone with a green card (a legal resident) would not qualify unless they had been in the country for at least five years. Proof of legal U.S. residency is a requirement.

The exception is a category called “emergency services” with parameters set by the federal government. Anyone — documented or not — qualifies for AHCCCS coverage in that category. Emergency services consists of life-saving medical attention and labor and delivery.

There are 74,000 people statewide enrolled in the emergency services program through AHCCCS — a number that has been declining in recent years. Two years ago it was 80,000.

In any case, it’s always been a small percentage of the total number of people who are enrolled in AHCCCS statewide (a little less than 6 percent at the moment). There are 1.4 million Arizonans on AHCCCS.

Also, it’s important to note that not everyone in “emergency services” with AHCCCS is an undocumented resident. Some of them are legal residents who have been in the U.S. less than five years and others for one reason or another don’t have the correct documentation.

Source by Health Insurance

Commercial insurance policies are provided to cover different types industrial accidents, which can ultimately result in huge losses for the business owners. Some of these policies include workers compensation, protection coverages for expensive boilers and machinery, business owners policy, general liability, liquor liability, and so on. Some of the basic types of commercial insurance policies are discussed below.

General Liability Insurance

Companies purchase Commercial General Liability Insurance (CGL) to cover the cost of settling fraudulent or real claims, pertaining to property damages, bodily injuries, physical damages caused at workplace, and so on. This type of policy is considered to be the basic insurance policy for almost all types of businesses. With such coverages, business owners can compensate their consumers for any damages caused due to malfunction of their products. This way, they are able to protect their reputation in the market.
Liquor Liability

There are bars and restaurants where hundreds of people relax, drinking their favorite wine over a collection of mouthwatering delicacies. The management of these places ensure their guests are served with the some of the finest brewed wines, beers, or any other variants of alcohol beverages. However, there can be incidents where a guest falls sick after drinking poor quality liquor. So, most bars and restaurants, where drinks are served, are insured with Liquor Liability policies. These policies ensure the compensation is timely paid to the victims, in order to avoid further issues. The compensation allows the victims to take care of their medical expenses.

Boilers and Machinery

Industries where huge machineries and boilers are installed and used, always purchase Boiler and Machinery policies. The reason for the purchase is to ensure their laborers and other workers are protected from injuries, which may be caused due to sudden burst of the boilers or any work related accidents.

Workers Compensation

Workers Compensation policies are purchased by business organizations and corporate houses to ensure their staffs get adequate reimbursement if they are seriously injured. This type of insurance is widely used in America, and also in some other European countries. This type of commercial insurance covers the workers, making sure they are provided with financial support in case of physical injuries.

There are many companies which offer commercial insurance policies to meet the basic insurance needs of business owners and their clients. The quickest way to find such companies is to go online. Visit the websites of different enterprises and see which one provides different types of policies in commercial insurance. Arlington Heights, IL, entrepreneurs trust companies which are reputed and employ qualified and experienced underwriters.

Source by Gardner

You are planning on booking a vacation and you are not sure if you need travel insurance. You have heard the warnings and you know that many travel agents suggest travel insurance as a necessity for any vacation. Since you are planning on spending a lot of money between air fares, hotel reservations, and other arrangements, you feel like it might be a good idea to insure your trip – but is it really necessary?

There are a number of unexpected circumstances that could arise prior to your trip that would make travel insurance vital to you getting your money back. Travel insurance was created to act as a saving grace to people whose trips become cancelled due to these circumstances. Whether the airline unexpectedly goes out of business a week before your trip or you become ill and are unable to travel, travel insurance ensures that your money will be refunded if the travel plans are not carried out as planned. There are a number of areas where travel insurance can help you out while on vacation.

If you are traveling abroad you might want to look into your regular insurance plan to make sure it would cover you in a foreign country. Some insurance plans will not cover medical expenses in other countries or are not accepted in other countries. If this is true of your insurance then any medical expenses or emergencies that may arise while you are away will not be covered. By purchasing travel insurance, you are guaranteed to be covered in any medical situation that may arise. Since September 11th, break outs of terrorism have plagued not only the United States, but the globe. If a terrorist act suddenly breaks out in an area that you have booked a flight to, the airline is not required to provide you with a refund if you choose not to travel to the area because of terrorism – that is, unless you have travel insurance. Given the unpredictability of these events in today’s world, you never know where or when a troubling situation may arise.

Flights can be cancelled at any time for a number of reasons, closing of the airline, inclement weather conditions, and a number of other factors that can not be controlled. In some circumstances flights are not rescheduled and refunds are not given, which means you not only lose your flight but also the amount of money you spent to purchase the ticket. Travel insurance insures your ticket so that no matter what the reason is, for the flight not taking off, you receive your money back.

Have you ever lost your luggage? In many cases airlines find and return the missing baggage but in some cases the luggage is never found. In some other cases, it is discovered that items have been taken from luggage. In this case, travel insurance acts to insure whatever items are lost or stolen so you are able to replace your belongings. Perhaps one of the most appealing aspects of travel insurance is that it protects you from any unforeseen circumstances in your life that may prohibit you from flying. If, for any reason from sickness to a death in the family, you are unable to travel as scheduled, your money will be refunded. If you do decide to purchase a travel insurance plan, it is important that you research a number of travel insurance companies and plans before deciding on one. Travel insurance is not only a good idea for people traveling by plane, but also on cruise lines. Be sure that the company and plan you choose is the one that best suits you and the travel plans you have made. If you travel frequently, you may want to consider a long term travel insurance policy. Year long insurance policies are available from a number of travel insurance. This provides frequent travelers with constant coverage, rather than having to purchase travel insurance every time they travel. Make sure to cover all the bases and ask plenty of questions when purchasing your travel insurance. Make sure you know that your policy will cover all unforeseen circumstances and you do not end up with a plan that only covers some situations.

Source by Gregg Hall

When getting 16 year old car insurance quotes, most parents experience “sticker shock”. The increased expense of insuring a teenage driver can seem overwhelming at first. But if you do your homework, you can readily find ways to save money on car insurance for your 16 year old.

The reason for the higher cost of insuring a younger driver is because of the increased risk they present to insurance companies. It’s true that some teenage drivers are very responsible, the insurance companies know that on average they present a much higher risk than an experienced driver.

Over time as the teenage driver demonstrates a safe driving record, premiums for their insurance will go down. But initially you can expect to pay quite a bit more than you pay for yourself. There is a way that you can get a better than average rate for your 16 year old however if you are willing to take a few things into consideration.

Listed below are a few steps that you can take when trying to find a lower auto insurance rate for your 16 year old driver so that you don’t pay unusually high rates for their insurance.

Don’t let them drive when it is not necessary.

Insurance companies will ask you when you apply for insurance for your 16 year old, how many miles will they be driving weekly. The more time they are expected to be behind the wheel, the higher risk they are considered to be by the insurance company. More driving time means more chance of an accident which means higher premiums.

The less time they spend driving, the lower the chance of them being involved in an accident. Drivers who drive less will pay less for insurance.

Avoid Traffic Violations.

Your job as the parent is to set an example of good driving habits and to drive the point home to your child by verbally explaining to them the importance of being a safe, courteous driver. Not only will it save you and them money on insurance over the years, it will also keep them safer on the road.

One of the best ways to teach this is to obey the traffic laws yourself. Tickets and accidents remain on your driving record for years which can mean paying thousands of dollars more for insurance over time.

Get The Grades

Most major insurance companies provide lower rates for students who get good grades. They feel (and their research backs it up) that good, responsible students on average are much safer and responsible when they get behind the wheel of a car.

For the most part, a “B” average on their most recent report card will help them qualify for lower insurance rates. This goes for high school and college age drivers.

Get At Least 3 Or 4 Rate Quotes

A good point to make here is that your current insurance company is not necessarily going to give you the best rate just because you have been with them for 25 years. Insurance companies are very competitive these days and it can pay you well to shop for multiple rate quotes.

The internet has made it fast and easy to shop for multiple rate quotes from one website and you don’t have to make phone calls or drive around to do it.

You fill out a questionnaire online and then submit it for your quote. Do this with 3 or 4 major companies and then compare. You may be surprised to find out how much different each quote can be.

They may not be the ultimate enemy, but they are certainly not your friend. It is important to make sure that you are doing everything the right way in order to ensure that you are going to get the money you deserve to cover your expenses and any time that you will have to be away from work.

The most common problem that forms from an auto accident is whiplash and yet it is the hardest thing to prove if you are not seeking the right treatment. The insurance company is hoping that you are going to refuse medical treatment of any kind and that you will simply try to “wait it out” for a claim so that you can afford treatment. Here’s the thing though, your insurance company is going to us the defense that there is obviously not that much wrong with you, otherwise, you would have been seeking treatment whether or not you were going to get any cash from them. Their argument sounds valid, even though it is understandable to want to wait for the financial assistance. Because of this, you could very well find yourself in a position where you are denial of any sort of help. This is not what you want.

The insurance company also hopes that you will stick with your MD. The reason behind their train of thought is that your MD is not as experienced with whiplash and you will probably just be told that the pain will pass and that all you need is some over the counter aspirin. This kind of diagnosis from an MD is what the insurance company is waiting for. Because, if the MD doesn’t detect anything wrong, even though you truly have whiplash, the insurance company will not have to fork over the money you need.

The insurance company does not want you to go to the chiropractor because the chiropractic doctor will be able to properly diagnose the problem and he will help you with treatment. This of course, will cost money and it will show that the insurance company really does have to help you out. There is a chance that you could be suffering with pain and loss of work from your neck injuries for many many years to come. Some people will forever have their injuries and this is why it is so important to make sure that you are being careful not to mess up. The insurance company is just waiting for you to do that. Don’t do it!

Source by Ryan Weisgeber

3 Common Florida car Insurance Scams

Insurance swindles have been about for a very long time, but only in recent times have we seen a spike in the number of swindles that have been hitting the Florida market and hitting it hard. When you’re taking a look at something that looks too good to be true, bear in mind the old adage- it possibly is. What are you able to do to protect yourself from losing your valuable money? First off knowing the forms of scams that are currently out there is essential so you can see it coming. From there, you can educate yourself on the diverse ways that you can research any given offer to find out if it is fraud or fact.

you’re driving around when suddenly, someone waves you on into traffic and you end up in a collision. This person, possibly having made a truthful mistake, comes running over to work out if you are okay- but when a claim is filed, somehow the proven fact that they’ve waved you on is left out. You find yourself to blame and therefor, liable for the damages. You’ve just been hit by what’s known as’a drive down.’
occasionally, they may also suggest various repair centers, doctors or lawyers. Always trust your instinct here and find your own. Use your own judgment and not that of other drivers when out and about, and be conscious of anyone that seems to be looking at the way that you are driving with a little too much perusal. Always keep an open line of communication with your insurance company about anything you are feeling isn’t right.

Another ordinarily used tactic is referred to as ‘swoop and squat’. You find yourself watching the auto in front of you get cut off, or for whatever reason, that auto stops brusquely. When you attempt to stop there’s no time and you have rear stopped the car in front of you. Everybody in the automobile is injured in some kind or another, and every one is a hard to prove or disprove injury- whiplash, muscle or soft tissue damage. Sometimes, they actually have crooked correct places and doctors to further help them file these claims against you. Always be careful, this is another area where a common scam hits the insurance companies- to the tune of roughly 20 billion a year. Ensuring that you are following correct procedure and keeping safe distances between you and other cars can protect you.

The last swindle we will rap about here is the’T Bone’- you proceed through a four way stop, cautious as you usually are, when suddenly another car slams headlong into the side of your auto. When the claims are filed and the chips are down, you find that there are whitenesses willing to say that you ran the red light or blew through a stop sign.
in most situations, preventing the scammers from being able to file the claim in the 1st place is your best course- always be aware of your environment when out on the road.
.

Source by Henry Fleet

Health care is guaranteed

Spain’ national health care system operates on a highly decentralized basis, giving primary responsibility to the country’s 17 regions.  The Spanish Constitution guarantees all citizens the “right” to health care- including equal access to preventative, curative, and rehabilitative services.  Coverage under the Spanish system is nearly universal, estimated at 98.7% of the population.  The federal government provides each region with a block grant.  The money is not earmarked – the region decides how to use it. 

Physicians are assigned

Spanish patients cannot choose their physicians, either primary care or specialist.  Rather, they are assigned a primary care doctor from a list of physicians in their community.  If more specialized care is needed, the primary care physician refers patients to a network of specialists. One may not go “out of network” unless the patient has private health insurance.  This has sparked an interesting phenomenon whereby sick Spaniards move in order to change physicians or find networks with shorter waiting list.

 Waiting times are inevitable

Waiting lists vary from region to region but are a significant problem everywhere.  On average, Spaniards wait 65 days to see a specialist, 71 days to wait for a gynecologist, and 81 days for a neurologist.  The mean waiting time for a prostectomy is 62 days and for hip replacement surgery is 123 days.  Some health services that US citizens take for granted are almost totally unavailable.  For example, rehabilitation, convalescence, and care for those with terminal illness are usually left to the patient’s relatives.  There are few public nursing and retirement homes, and few hospices and convalescence homes.

Private health care and insurance is growing

As with most other national health care systems, the waiting lists and quality problems have led to the development of a growing private insurance alternative. About 12% of the population currently has private health insurance.  Overall, private insurance payments amount for 21% of total health care expenditures.  More commonly, Spaniards pay for care outside of the national health care system out of pocket. In fact, nearly 24% of health care spending in Spain is out of pocket – more than any European country except Greece and Switzerland, and even more than the United States.  Here again, a two-tier system has developed, with the wealthy able to buy their way around the defects of the national health care system, and the poor consigned to substandard services.

Modern medical technologies are in short supply

There are also shortages of modern medical technologies.  Spain has one-third as many MRI units per million people as the US and just over one-third as many CT units, and fewer lithotripters.  Some regions, like Ceuta and Melilla do not have a single MRI unit.  All hospital-based physicians and approximately 75% of all other physicians are considered quasi-civil servants and are paid a salary rather than receiving payment based on services provided.  As a result Spain has fewer physicians and fewer nurses per capita than most European countries and the US.

Mostly, Spaniards are happy with their health care system

Even so, Spaniards are generally happy with their system where nearly 60% describe their system as good, the second highest favorability rating in Europe. However, Spaniards do want more choice of doctors and hospitals, and they want the government to do a better job of dealing with the waiting lists.

Interesting factoids about Spain

• The biggest industry in Spain is tourism
• Madrid, Spain’s capital city, is located in the exact center of the country
• The low birthrate registered in Spain is the result of the high unemployment, coupled with steep housing cost.  These factors make it difficult for most people in Spain to buy houses big enough to accommodate more than two children
• Spanish (Castilian Spanish) is not the only language spoken in Spain.  There are at least four other major languages spoken plus other variations and dialects.  The major other languages are Galician, Basque, and Catalan
• You won’t find corn or flour tortillas in Spanish food.  In Spain, tortillas are a popular egg and potato dish
• Soccer is Spain’s most popular sport
• Around 40% of Spaniards between 17 and 24 are smokers
• Spain has one of Europe’s highest rates of AIDS
• Prescription medications can be acquired over the counter at medicine shops

Source by Doug Gulleson

The need for Dental insurance is very crucial as people are becoming aware of the fact that the costs involved in taking care of the teeth and gums are very expensive. In order to be healthy and to take good care of the teeth, dental insurance can be very reasonable and levelheaded precaution. Dental insurance normally covers the examination of the teeth, checkups and dental fillings. Dental insurance is as important as the life insurance coverage plans, home insurance and car insurance since every one needs good teeth for speaking and eating. Doctors are now emphasizing the need to keep the mouth and teeth clean and healthy as they may lead to heart disease.

Types of dental insurance:

There are several kinds of dental care plans and dental insurance that can be availed as a private dental insurance or individual dental insurance plan or offered as benefit to the employee by the employer called the corporate dental insurance. Some may only provide coverage to dental cleanings and examinations while some provide insurance coverage to dental procedures too. Some dental insurance policies can also be availed as family dental insurance plans. The costs of these dental insurance policies are low, yet effective and vital to all.

Capitation dental insurance type involves paying the dentist a fixed amount for each patient registered. In turn the dentist will give a free routine dental care, but then the clients need to pay a certain amount for every visit and the coverage of non-routine work will depend on the kind of dental insurance policy taken by them. This type of dental insurance coverage is quite affordable and can be paid as monthly premium.

If a person opts for an indemnity dental insurance plan, he is free to select his own dentist which means that the cost of any dental work carried out will be reimbursed by the insurance provider. Normally 50 percent – 80 percent of the cost will be covered by the dental insurance policy and the remaining amount has to be paid by the policyholder. The main disadvantage of the indemnity dental insurance policy is that they only cover certain procedures that have been mentioned in the policy document and deductibles for non-preventive work can be very high.

Greater extent of reduced rates on dental care is possible through the preferred provider dental insurance policy that will provide dental care from the participating dentists. If the policyholder uses the service of non-participating dentists the benefits can be reduced to a greater extent. The employers provide corporate dental insurance policies to their employees as additional benefit. The extent of the coverage depends on the policy and can differ from employer to employer. There is also an annual limit for claiming the amount for such insurance policies.

Private dental insurance policies allow the policy holder to choose the dentist from whom he would like to get treated, also the premium of such policies do not rise with aging. Before utilizing the dental services the policyholder should have registered before 3-6 months depending on the plan. The premium can be paid monthly, quarterly or annually. Lots of insurance companies have sprung due to the demand for dental insurance by people who are not covered by their companies.

Source by S. Geetha

Any typical public driver who works few hours a day would tell you that insurance is the best investment you can ever have. Having an insurance will put your mind at ease and will definitely let you have the advantage of regaining your business’ strength even with the constantly fluctuating economy. And if you are one of the typical public drivers who work for 14 hours a day, then you have probably heard about Truckers Insurance and how it benefits truck drivers and how it covers the expenses.

Insurance policies can be expensive. However, there are actually plausible ways to get a more affordable insurance package, allowing you to cut down on premiums, thus reducing cost. Take a look at Truckers Insurance, which will help reduce costs on premiums:

Some insurance companies give reasonable discounts to trucking companies with programs like a driver training course, which include safety driving tips, fuel saving tips, and lectures on the existing traffic rules and regulations. A driving training course can prevent vehicular accidents and reduce fines linked with incidents that violate them.

But even though you are aware of the above-mentioned programs, the insurance company will have you undergo a Risk Assessment test. The objective is to simply measure the risks involved in truck and drivers, as well as the possibility for an accident to occur as a consequence of the incident. Other factors considered are the type of goods transported by the truck and how fast can go before reaching a destination, weather conditions, and populations. You might want to consider learning these things in order to help cut down the costs of insurance premium packages and still get the right and substantial benefits for your crew.

As far as haulage of perishable to dangerous goods are concerned, any business needs to be insured for proper protection of employees and of the business itself. Knowing significant Truckers Insurance can make a lot of difference – it will really help you get the best insurance deal available. It is a confusing process selecting commercial truck insurance for your big rig. When making the last coverage decision there are several questions that need asked.Universa Insurance provides the most affordable truckers insurance to protect your business vehicles with great service, fast turnaround on all aspects, and excellent customer service.Universa Insurance offers commercial truck insurance and we are most respected in truck insurance industry. We can provide you with the right information with a complete range of coverage and policy options for your business or company.

For more info: http://www.universainsurance.com/truckers-auto-liability–physical-damage-insurance-quote.html

Source by Jose Taylor

A Medicare Supplement Plan is offered to anybody who is already an existing Medicare member. This plan helps you in meeting those expenses that are not covered under your existing Medicare plan. In a way, a supplement plan helps you save a lot on expenditure which you would have otherwise incurred. Hence, having a Medicare Supplement plan is a very good option as you will be able to bridge the gap between your coverage on Medicare and the actual expenditure you have incurred.

Cost Factor

There are many health insurance companies that provide Medicare Supplement Plans. Now, these plans are not provided for free and you will have to pay a certain sum of money towards the premium.  This premium actually differs from one company to another company and from one policy to another. This means that it is not advisable to rush into a decision immediately.  You can take your own time and analyze the various plans on offer and at the same time also consider the budget you have allocated before actually buying a supplement plan. You can now go online and make a comparison of the rates and arrive at a suitable decision.

Types of Supplementary Plans

There are different types of supplementary plans available in the market place. This means that you can choose a suitable Medicare Supplementary Plan which will help you meet additional expenses than provided for by your existing Medicare policy. Most of the supplementary plans are standardized which means that you can buy these plans from any company in your state or country and they will remain the same, despite being sold under different names. There are ten different supplementary plans. All these plans are identified by their alphabets, meaning A, B, C, D, etc.

The Process

As a senior citizen, having a Medicare Supplement plan will ensure that most of your additional expenses are taken care off. When you require this additional medical coverage, all you need to do is to inform your insurance service provider. Finally, it is better to continue this plan for as long as possible as they offer you a simple and hassle free Medicare.

Source by Steve Saigh

If you are looking for info connected to Titan Auto Insurance,
this article can give useful information that you need about it. It will offer you insights concerning Titan Auto Insurance that you will not have been aware of. This write up can conjointly offer info concerning the different options you’ll be able to choose to be added to your coverage policy.

Titan auto insurance provides non-traditional coverage for your cars. This suggests that company providers of this policy are often keen to insure their clients who don’t have significant driving experience (or beginners) and people who have a poor driving record: nearly all of the firms will charge these types of drivers quite a bit more to protect them and may either not insure them at all.

What Is Particular To Titan Auto Insurance
Titan Auto Insurance Policy typically offers a reasonable automotive insurance rate however give less coverage. It usually costs less per year, because in case of a vehicular accident, this policy can conjointly insure less. It suggests that that, in an incident that you’ll be involved during a automobile crash accident; the thing that can be covered could be limited to the damage that the opposite car will have (not your automotive). In this case the few dollars you saved by getting a more cost-effective auto insurance like this will not be much of a comfort as a result of you would possibly finish up buying a brand new automobile!

Saving could be a smart factor to try to do, but when it comes to ensuring you protect yourself from accidents which will arise, it’s usually wise to avoid wasting, but at the same time be safe.

In considering coverage for your vehicle, you’ve got several options. You’ll choose to possess the minimal coverage such as liability coverage (however, your coverage can be limited) or choose a policy notably from Titan Auto Insurance, that will supply a wider coverage for you, your automotive and the additional properties that can be included in an unforeseen accident.

Liability coverage usually covers damages alone to others concerned; it can not involve damages that will be incurred by your vehicle, therefore it can be advisable to have a collision and comprehensive coverage to be added to your car insurance policy. That’s why it is crucial to check the fine print in the policy when acquiring budget automotive insurance quotes. Titan Auto Insurance ensures that you get all the specified information you would like for a successful coverage.

Collision coverage will involve your automotive damages whether you are the one at fault or the victim of an unforeseen automotive crash accident. Meaning that if your car is broken regardless of what true you’re in, your automotive remains insured by the policy while Comprehensive coverage can embrace occurrences like fire, theft and destruction. They will be added to your policy individually so that you can have higher protection. With Titan Auto Insurance policy, you can be positive of best reliable coverage.

Get full info concerning car insurance from my titan auto insurance website with complete detailed information concerning bank of america auto loans

Source by Marty Austin

Reliance General Insurance, one of India’s leading General Insurance players, has now introduced online purchase facility for its Motor Insurance Policies through the Internet using one’s credit card or debit card.  Reliance General has introduced a completely secure online payment gateway wherein one can directly calculate the premium for their vehicle in a quick and easy manner and pay online for the same.  The online portal is quick and fast and one can purchase the policy in 10 minutes if one has all the information about his/her vehicle.

Some of the advantages of the Reliance Private Car Insurance Policy are:

• Instant Policy Issuance. The Online Policy is issued within 10 minutes.
• The Online Policy eliminates the process of Paperwork.
• It gives you complete insurance cover on and off the road.
• It covers your car against accidents, burglaries, natural calamities etc.
• It also provides for personal accident insurance cover and third party liability cover.
• Allows for transfer of a No Claim Bonus from your previous policy.
• Free break down towing assistance service is provided across 7 top metros.  Also provides for an allowance of Rs. 1500 towards towing charges if required.
• Cashless facility  are provided at over 1900 garages in over 231 cities
• In case of a claim, the survey of the vehicle is arranged within 24 hours.

Features of Reliance Car Policy :

The policy coverage is wide and encompasses many aspects, from the vehicle to the owner to any third party involved in a liability concerning the vehicle that is insured.   Vehicle Damage:
The Reliance Private Car Insurance Policy covers loss or damage to vehicle due to:

• Accident, fire, lightening, self-ignition, explosion, burglary, house breaking or theft.
• Riot and strike, malicious act, terrorism, earthquake, flood, cyclone and inundation.
• Transit by rail, road, air, elevator and lift.

Personal Accident Cover
This policy will also cover you, the policyholder, while you are driving against any accident.

Third Party Liability
As per the Motor Vehicle Act, third part liability cover is a compulsory cover to be taken by all vehicles. This cover provides against the liability for third party injury/death, third party property damage and liability to paid driver.

Add on covers
Most people customise their cars so that it suits their tastes and utilisation. We offer you the option to customise the policy with additional coverage for the following:

• Electrical/electronic accessories
• Non-electrical accessories
• Bi-fuel kits comprising LPG/CNG systems
• Legal Liability to employee, paid driver, cleaner & conductor
• Racing, speed tests, dexterity trials, hill climb extensions

For Further details on the Reliance Private Car Insurance Policy and buying it online click on Car Insurance now

Source by Nelson Fernandes

Every home owner is concerned about increasing home insurance rates, but it is sometimes difficult to understand exactly what it is that would cause your home insurance rates to increase. Of course, one of the main reasons rates increase is because insurance companies regularly increase their premiums. Although this may not be very popular with homeowners in general, it is to be expected, of course. But there are also other reasons why your home insurance rates may increase, aside from the regular rate increases that insurers make.

Homeowner Makes Too Many Claims: It is difficult to say exactly how many claims would be construed as being too many as that depends entirely on the insurer, however more than two claims in four years would likely cause your insurer to increase your home insurance rates.

Claims Made Due to Your Deficiency or Lack of Action: If you fail to take care of something in your house and later damage occurs to your home because of this, you will most likely see an increase in your insurance rates. A typical example of this would be if your roofing was damaged by a heavy hail storm, you failed to repair it and then your home was damaged by a leaking roof. If you made a claim for that and the insurer determined that the fault was yours, your rates would probably increase. Or, if you failed to take care of a termite problem and then a part of your house collapsed, you would also most likely see an increase in your home insurance rates.

Large Claims Made: If your house burned down or was destroyed by flooding, and you made a claim you may find future home insurance rates increasing. This is also dependant on the circumstances surrounding your claim though. If, due to your negligence your house burned down you can be pretty sure that your rates would increase. But if something happened to your home that was outside of your control, perhaps it was burned down because of an electrical wiring problem that started a fire, and then you may find that there is only a marginal increase in your rates.

Natural Disasters Cause Huge Claims on Insurers: In the event of any natural disaster where multiple home owners’ houses are destroyed, either totally or in part, such as in the wake of a hurricane, or tornado, you should expect home insurance rates to increase. If Insurance agencies take a wide scale hit, which they do when a catastrophe happens, they have to pay out tremendous amounts of money to homeowners. Their own capital reserves are depleted, and thus in order to both replenish their own reserves and build up more money for future claims they have to increase their home insurance rates to homeowners in their area. There’s really little else they can do if they want to stay in business and provide homeowners with future protection and financial recompense.

Source by Kate Swann

Do you know what a Health Maintenance Organization is? A Health Maintenance Organization (also called an HMO) is one of three managed care health insurance systems in the United States. An HMO is designed to offer financial support and medical treatment to plan members. Some managed care systems don’t offer medical treatment themselves. Rather, they offer different levels of financial coverage based on whether you visit in-network or out-of-network care providers. HMOs, on the other hand, have a system of physicians and hospitals that are involved in a specific coverage structure. If you’re part of a Health Maintenance Organization, you are only covered if you go to a physician within the HMO network.

HMO members pay monthly fees that cover most of the medical expenses they may or may not incur during the month. Often, they are also required to pay a co-payment (also referred to as a co-pay). A co-payment is an amount paid at the time of treatment to offset a portion of the medical costs. The amount of the co-pay varies depending on the specific medical treatment. Medical office visits have a different co-payment rate than prescriptions and more involved medical treatments.

Health Maintenance Organization plans also require members to select a physician as their primary care physician (PCP). This physician is the member’s primary care giver regarding all health-related issues and must refer them to other physicians if a specialist is needed. Members cannot go directly to a specialist on their own accord. Not all managed care providers have this requirement. A preferred provider organization (also known as a PPO) does not require a PCP.

Why a Health Maintenance Organization?

Health Maintenance Organizations are generally more affordable than other managed care insurance systems. The monthly fees and co-payments are usually not high and are an affordable alternative to paying a percentage of the bill like other managed care providers require.

HMOs are also very “prevention” focused. That means they promote ways to stay healthy rather than ways to treat illness. Health Maintenance Organizations provide their members with a wealth of medical information on how to prevent illness and disease. They often distribute health guides and informative handbooks on how to stay healthy and avoid getting sick. This strategy helps HMO members avoid multiple visits to the doctor for illnesses that could have been easily avoided.

Why Not a Health Maintenance Organization?

HMOs are more restrictive than other managed care providers. HMOs only cover members if they visit doctors within the HMO insurer network. If there’s a specialist a member wants to see for a specific ailment and the physician is not in the HMO network, the member will have to pay out-of-pocket expenses.

Also, since members have to initially establish a primary care physician, all medical treatments and referrals need to go through their PCP. Even if a specialist is in the HMO network, members still need to get approval from their PCP before they visit the specialist if they want to be covered by their HMO.

A health maintenance organization is a practical solution for health care coverage. Monthly fees and co-payments are often minor and cover members regardless of how often they visit their physician each month. However, HMO members do have restrictions that could hinder specialized treatment if needed.

Before you decide on an HMO, read all the facts. Base you decision on your typical medical needs and whether or not an HMO will be able to provide you with the medical care you need.

For more articles on Health Insurance visit: http://www.bills.com/hmo-basics-article/

Source by justin narin