tag:blogger.com,1999:blog-57272228389594848242023-11-15T08:22:32.333-07:00YES INSURANCEYour Information all about InsuranceDzul Hilmihttp://www.blogger.com/profile/00260473560386589146noreply@blogger.comBlogger28125tag:blogger.com,1999:blog-5727222838959484824.post-64281966011020141742012-01-03T01:57:00.001-07:002012-01-03T02:01:57.155-07:00Best Car Insurance | Top Auto Insurance Quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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Best Car Insurance, Top Car Insurance for Teen, Top Auto Insurance Quotes, best car insurance uk</h2>
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Knowing you have selected a <b><a href="http://yees-insurance.blogspot.com/2012/01/best-car-insurance.html">best car insurance</a> company</b> is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.</div>
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This list contains the top ten <u><b>best car insurance companies</b></u> based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.</div>
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Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.</div>
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<ol>
<li><b><a href="http://yees-insurance.blogspot.com/2012/01/best-car-insurance.html" target="_blank">Top 10 Auto Insurance Companies</a></b></li>
<li><b><a href="http://yees-insurance.blogspot.com/2012/01/best-car-insurance.html" target="_blank">Top Auto Insurance Quotes</a></b></li>
<li><b><a href="http://yees-insurance.blogspot.com/2012/01/best-car-insurance.html" target="_blank">Top Car Insurance for Seniors</a></b></li>
<li><b><a href="http://yees-insurance.blogspot.com/2012/01/best-car-insurance.html" target="_blank">Top Car Insurance for Teen</a></b></li>
<li><b><a href="http://yees-insurance.blogspot.com/2011/05/best-car-insurance-companies.html" target="_blank">Auto Insurance Best Rate</a></b></li>
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Knowing you have selected a good <a alt="car insurance company" href="http://yees-insurance.blogspot.com/2011/05/best-car-insurance-companies.html" rel="nofollow"><b>car insurance company</b></a> is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.This list contains the top ten <a alt="best insurance companies" href="http://yees-insurance.blogspot.com/2011/05/best-car-insurance-companies.html" rel="nofollow"><i>best car insurance companies</i></a> based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.<br />
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.</h3>
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Best Car Insurance Companies, Cheap Car Insurance UK, Online Car Insurance Quote, best car insurance.</h3>
</div>Unknownnoreply@blogger.com11tag:blogger.com,1999:blog-5727222838959484824.post-18897169672181385392012-01-03T01:40:00.001-07:002012-01-03T01:42:54.889-07:00Online Car Insurance Quote<div dir="ltr" style="text-align: left;" trbidi="on">
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Free Car Insurance Quotes, Free Online Car Insurance Quote, car insurance rates, Free Auto Insurance Quotes, car insurance quote, car insurance for young drivers, car insurance quotes online, cheap car insurance quotes</h2>
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If you drive a car in the United States, it is a good chance you are well aware that you are required to have <i>car insurance</i>. If you get pulled over and fail to provide proof of coverage, your driving privileges will be faced with a suspension. You may also be required to pay a steep fine. No one wants this to happen to them! The following paragraphs will discuss three ways to get<b> </b>free<b> <a href="http://yees-insurance.blogspot.com/2012/01/online-car-insurance-quote.html">car insurance quotes</a></b>.</div>
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The first way you can get <u><b>car insurance quote</b></u> is to make some phone calls. Call around to <i>your local car insurance companies</i> and ask them for <b>free quotes</b>. Most companies will jump at the chance to provide this service to any potential customer. In most cases, you will be required to answer some questions to help determine a specific price. The questions also help to determine which type of policy might work best for you.</div>
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The one disadvantage of getting your <u>free car insurance quote</u> via the telephone is obtaining your proof of <b>insurance information</b> card. You will not be able to physically prove you have<i> insurance coverage</i> until you receive it by postal mail. If you need your proof of insurance immediately, this option may not work well for you. </div>
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Another way you can get <b><i><a href="http://yees-insurance.blogspot.com/2012/01/online-car-insurance-quote.html">car insurance quote</a></i></b> easily is to visit different companies in your area. After filling out an application, a representative can give you a quote in as little as minutes. The information on the application is used by the<b> insurance company</b> to determine what sort of policy best fits your needs, as well as the cost of the policy. When you take this path to find and purchase this necessary<i> insurance</i>, you can obtain your insurance card that very day.</div>
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Free Car Insurance Quotes, car insurance rates, car insurance quote, car insurance for young drivers, car insurance quotes online, cheap car insurance quotes.</h3>
</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-57016867869027609612012-01-01T07:01:00.000-07:002012-01-01T17:11:36.444-07:00Yes Insurance Review<div dir="ltr" style="text-align: left;" trbidi="on"><h2 style="display: none;">yes Insurance Review, Cheaper Car Insurance UK, Farmers Insurance Yes, Farmers Insurance Yes Video, Yes Insurance Miami, Yes Car</h2><a href="http://yees-insurance.blogspot.com/2012/01/yes-insurance-review.html"><b>yes insurance</b></a>.co.uk is a trading name of <u>yes insurance Services Limited</u>. We specialise in providing competitive <a href="http://yees-insurance.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html"><i>motor insurance</i></a> for drivers of older vehicles and the second car in a household and also offer great car insurance deals for women and people looking for non-comprehensive insurance (e.g. third party fire and theft cover).<br />
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<i>yes insurance</i>.co.uk <a href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html"><b>car insurance</b></a> and<a href="http://yees-insurance.blogspot.com/2011/05/homeowners-insurance.html"><b> homeowners insurance</b></a> is administered by BISL Limited, a leading independent<i> insurance</i> intermediary dealing with selected panels of insurers. Both <u>yes insurance</u> Services Limited and BISL Limited are authorised and regulated by the Financial Services Authority.<br />
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<u>yes insurance</u>.co.uk is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the <a href="http://yees-insurance.blogspot.com/2011/03/auto-insurance-claims-forms-ocf-forms.html"><b>claim</b></a>. <i>Insurance</i> advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory <i>classes of insurance</i>, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation schemes arrangements is available from the FSCS.<br />
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As well as <a href="http://yees-insurance.blogspot.com/2011/05/yes-car-insurance-yes-insurance-uk.html">car insurance</a>, yes insurance.co.uk also offers competitive home insurance and van insurance policies. In both cases, we will search a panel of leading insurance companies to find the best policy and the cheapest price for you.<br />
<h4 style="display: none;">yes insurance Services Limited is a sister company of Provident Insurance plc, who has been providing competitive car insurance policies for 40 years. Its policies are distributed through a network of over 3,000 independent brokers as well as through yes insurance.co.uk.<br />
yes insurance.co.uk is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation schemes arrangements is available from the FSCS.<br />
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As well as car insurance, yes insurance.co.uk also offers competitive <b>home insurance</b> and van insurance policies. In both cases, we will search a panel of leading insurance companies to find the best policy and the cheapest price for you.</h4><h3 style="display: none;">yes insurance review, Yes Insurance Agency</h3>yes insurance Services Limited is a sister company of Provident Insurance plc, who has been providing competitive car insurance policies for 40 years. Its policies are distributed through a network of over 3,000 independent brokers as well as through yes insurance.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-70160694026569338622011-12-31T23:56:00.001-07:002012-01-01T03:20:37.927-07:00Medicare Insurance | Medicare Supplement Insurance Quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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medicare insurance, medicare insurance agent, medicare coverage, medicare part b, medicare advantage plan</h2>
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<a href="http://yees-insurance.blogspot.com/2011/12/medicare-insurance.html" title="medicare insurance"><b>medicare insurance</b></a>. Yes, I know. Insurance brokers only need to sell you insurance! Yes, you might be generally appropriate to assume that, however the agent may also be the most knowledgeable and resourceful ally in your quest for the proper coverage. Make no mistake about it, your <i>health coverage</i> is crucial in retirement and it would be best to make one of the best determination possible.<br />
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"My neighbor Joe has X coverage from the "ABC" Insurance Firm and he is pretty proud of it. He's a reasonably sharp man so I belief his judgment. I'll just get what he has." There is a danger in counting on pals, neighbors and relations for guidance. In fact, the rationale you need to do this is trust. I understand that and I don't blame you. The problem is that you simply put a substantial amount of trust is somebody who lacks the expertise that will help you make the very best decision. How do you know they have the most effective plan? Are you in comparable well being, on the identical drugs? Is your monetary scenario the same? Perhaps that individual is extra of a risk taker then you and is OK with high deductibles and co-pays. Are you?<br />
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<b>Medicare Supplement Insurance Quotes</b></h1>
If you happen to actually belief that person's judgment, have them sit in on your assembly with the agent. Any respectable and honest agent will have no drawback with this. If truth, they'll welcome the chance to build rapport with another set of eyes and ears.<br />
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"Unbiased agent" is the key to all of this. Which means that person shouldn't be tied to 1 company. They may often have contracts with quite a lot of corporations enabling them to be extraordinarily aggressive in price and coverage options. In case you converse to Fred Agent at the ABC Insurance Firm, which company do you assume he could be recommending?<br />
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It's not to say he's a nasty agent and will not do a great job explaining<i> Medicare Insurance</i>. He may actually have a competitive product. The problem is that Medicare is just not one measurement matches all. You need an agent that can advise on all choices with a wide range of companies so that she will match you up with one of the best protection to suit your individual wants and budget.<br />
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<b>medicare insurance premiums, medicare health insurance, medicare insurance coverage, medicare insurance information</b></h3>
</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-14444300601575837462011-12-31T23:20:00.001-07:002012-01-01T03:37:20.824-07:00GEICO Auto Insurance Review | Get online car insurance quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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geico car insurance review, geico car insurance, geico car insurance payment, geico auto insurance phone number, geico auto insurance locator</h2>
<em><strong><a href="http://yees-insurance.blogspot.com/2011/12/geico-auto-insurance-review.html" title="geico auto insurance">Geico Auto Insurance</a></strong></em>, or the Government Employee Insurance Company was started in 1936 by Leo and Lillian Goodwin. Initially, the company was targeted to enlisted military officers and federal employees.<br />
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Geico auto insurance claims departement</h3>
By the end of their first year, over 3700 auto insurance policies had been written and the company had 12 employees. In 1980, <strong>GEICO</strong> started keeping the phone lines open 24 hours a day, 7 days a week for claims, sales, and customer service. Today, in 2010, GEICO now has over 9 million policy holders.<br />
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<em>Pros of GEICO</em><br />
GEICO, like many auto insurance companies, offers accident forgiveness after 5 years, which means that for every five years of having a clean driving record with the company, they will not raise your already cheap rates if you have an accident. They also have a low price; in comparison with other insurance companies, their quotes have been known to be cheaper by most customers. They have an extremely high rating with A.M Best & Company and an A rating with the Better Business Bureau.<br />
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<strong><em>Cons of </em></strong><em><strong>Geico Auto Insurance</strong></em><br />
Many users have found they are not guaranteed renewal after their initial service time ended, and those that were renewed stated their new rate quotes went up, even with a clean driving record. This varies from state to state, as some states have been recorded as having worse drivers. In addition, as with all auto insurance companies, your policy can be dropped for various reasons, such as fraud, excessive incidents, or lying to the company on the initial application and the deception being discovered later.<br />
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Special Services Offered<br />
Some of the special services offered through the company include hefty discounts on the already <strong>cheap rate quotes</strong>, accident forgiveness, and 24/7 customer service, sales, and claims assistance by phone and web. Amongst the discounts offered by GEICO are discounts for students, military, federal employees, and senior citizens. In addition, after an accident, the company also offers rental cars and online claims service that allows a customer to do everything online, from reporting the claim to finding the repair shop, to tracking their claim to the end.<br />
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States Served<br />
As of 2009, GEICO issues car insurance policies and gives rate quotes in all 50 states. After GEICO started issuing policies in Massachusetts, their subscriber rate climbed to over 9 million policy holders.<br />
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Overall Rating and Satisfaction<br />
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<strong>geico auto insurance</strong></h2>
According to the GEICO website, they are rated 4.6 out of 5 stars by customers and that over 94% of their policy holders would recommend them to a friend. Of course, being the company’s website, they are going to give the most favorable reviews. However, independent websites also give the company great reviews; for every negative review, there are usually between 4-6 positive reviews about Geico. In comparison to one of their major competitors, <em>GEICO</em> has higher ratings and more positive reviews. Because no company fits all, each customer needs to do their own research. As a GEICO customer myself, I have never had any problems with them and thoroughly enjoy their service. <br />
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geico auto insurance, geico car insurance review, geico car insurance, geico car insurance payment, geico auto insurance phone number, cheap car insurance, geico auto insurance claims departement</h3>
</div>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-5727222838959484824.post-31902028613444301342011-05-10T10:10:00.001-06:002012-01-01T03:37:02.887-07:00Cheap Homeowners Insurance | Online Homeowners Insurance Quotes<div dir="ltr" style="text-align: left;" trbidi="on">
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cheap homeowners insurance, geico homeowners insurance, online homeowners insurance quotes</h2>
Finding <strong><a href="http://e-resource.info/cheap-homeowners-insurance">cheap homeowners insurance</a></strong> used to be a labor-intensive job that required making numerous phone calls and answering the same questions over and over. However, the ease of use that free online quote tools provide has revolutionized the search for <em>cheap homeowners insurance</em>. When you are looking for the <strong>cheapest homeowners insurance</strong>, shopping around is key and you can get started quickly using the quote tool above.<br />
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Discounts Mean <u>Cheap Homeowners Insurance</u><br />
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There are many different things that affect the price of your homeowners insurance. Some of them are easy to change, while others are more long-term changes that require forethought when you are making major life decisions, like buying a home or deciding where to live.<br />
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Some of the relatively easy to change things that will get you discounts on your home insurance prices are:<br />
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smoke detectors on each floor of your home<br />
security systems, especially if centrally monitored ( this includes fire and burglar alarms)<br />
fire extinguishers<br />
deadbolts on doors<br />
sprinkler systems<br />
putting your home and auto insurance with the same insurer<br />
home renovations, especially the roof and wiring<br />
all residents being non-smokers<br />
using electronic funds transfers to pay premium payments or paying in full<br />
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Long Term Changes Mean <b>Cheap Homeowners Insurance</b><br />
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By planning ahead you can ensure that you have good insurance rates. Some factors are things that you need to be constantly vigilant about, while others are things to keep in mind when you are moving. Some of these long-term factors that affect your rate are:<br />
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age of home<br />
size of the home<br />
type of home construction: masonry, wood, etc.<br />
proximity to a fire hydrant and fire station<br />
location of home, whether in a city or the country<br />
if your home is located in a hurricane, earthquake or other disaster prone area<br />
having a good credit rating<br />
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Shop Around For <i>Cheap Homeowners Insurance</i><br />
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The most important thing you can do to make sure you get cheap homeowners insurance is to shop around and compare prices from at least 3 different insurance companies. Each company has different insurance products, features and options, as well as different rates. As you are shopping around, you may find the cheapest no-frills policy is the one for you. Or it may be the one that offers the most coverage for the lowest price.<br />
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By returning to the top of this page and inputting your zip code, you will begin a fast and efficient quote process that will get you quotes from the top insurers in your area. Get your cheap homeowners insurance quote today.<br />
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<u>Homeowners Insurance Discounts</u><br />
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<u>Low Cost Homeowners Insurance</u><br />
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<u>How to Find the Cheapest Homeowners Insurance</u><br />
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<u>How to Buy Homeowners Insurance</u><br />
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<u>Determining How Much Homeowners Insurance to Purchase</u><br />
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<u>Can I Still Find Cheap Homeowners Insurance With Bad Credit</u><br />
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homeowner insurance rates, Cheap Homeowners Insurance, homeowner insurance cost, homeowner insurance coverage, Home Insurance Quotes ,Homeowners Insurance ,Farmers Insurance</h3>
</div>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-5727222838959484824.post-27299483597829547502011-05-10T10:04:00.000-06:002012-01-03T02:02:13.964-07:00Best Car Insurance Companies | Cheap Car Insurance UK | Online Car Insurance Quote<div dir="ltr" style="text-align: left;" trbidi="on">
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Best Car Insurance Companies, Cheap Car Insurance UK, Online Car Insurance Quote, the best and cheapest car insurance uk</h2>
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Knowing you have selected a good <a alt="car insurance company" href="http://yees-insurance.blogspot.com/2011/05/best-car-insurance-companies.html"><b>car insurance company</b></a> is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.<br />
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This list contains the top ten <a alt="best insurance companies" href="http://yees-insurance.blogspot.com/2011/05/best-car-insurance-companies.html"><i>best car insurance companies</i></a> based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.<br />
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Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.<br />
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Best Car Insurance Companies, Cheap Car Insurance UK, Online Car Insurance Quote</h3>
</div>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-5727222838959484824.post-31038534431538296692011-05-09T22:53:00.000-06:002011-05-09T23:18:17.526-06:00General Automobile Insurance Services | Insurance In australia<h2 style="display: none;">General Automobile Insurance Services, General Auto Insurance, Auto and General Insurance Company, online auto insurance quotes</h2><a alt="general automobile insurance services" href="http://yees-insurance.blogspot.com/2011/05/general-automobile-insurance-services.html"><b>Auto & General Insurance Company</b></a> is an Australian incorporated general insurer that has a long-term commitment to the Australian marketplace. Our technical know-how and experience enables us to deliver flexible and <a alt="innovative insurance" href="http://yees-insurance.blogspot.com/"><i>innovative insurance</i></a> products that meet the needs of Australian consumers.<br />
Our advanced approach to underwriting allows us to make intelligent decisions that keep our risk profile low. This means we can offer competitively-priced products with a flexible range of options that have been welcomed by our customers year after year.<br />
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<i>Insurance in Australia</i> is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC) under the Financial Services Reform Act (FSRA). The requirements needed to be authorised to operate in Australia are strict, and our on-going compliance is key to our success. <br />
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<div style="margin-bottom: 8px; margin-top: 8px;">Our focus on doing things the right way, means our clients are always treated fairly, and know they are dealing with a company that has an enviable reputation in the business. </div><a alt="innovative insurance" href="http://yees-insurance.blogspot.com/"><b>The Australian insurance</b></a> industry has developed a new<i> <a alt="general" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html" insurance'="">General Insurance</a></i> Code of Practice which has been implemented across the country. <br />
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<div style="margin-bottom: 8px; margin-top: 8px;">The new Code includes benchmarks for dealing with claims and complaints, and helping consumers get a better understanding of insurance products. </div><img align="right" src="http://www.agic.com.au/images/codeofp.jpg" /> <a alt="Auto General Insurance Company" href="http://yees-insurance.blogspot.com/2011/05/general-automobile-insurance-services.html"><u>Auto General Insurance Company</u></a> Limited, is proud to be a signatory to the Code. To read the Code, or get more information, visit<a href="http://www.codeofpractice.com.au/" rel="nofollow"><u>www.codeofpractice.com.au</u></a> We're putting our Code into Practice!<br />
<h3 style="display: none;">General Automobile Insurance Services, General Auto Insurance, Auto and General Insurance Company, online auto insurance quotes</h3>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-42510678990925672932011-05-08T00:18:00.000-06:002011-05-10T00:22:59.053-06:00Yes Car Insurance | yes insurance UK | company information<h2 style='display:none;'>yes car insurance, yes insurance, yes insurance company, yes insurance UK</h2><a alt="yes car insurance" href="http://yees-insurance.blogspot.com/2011/05/yes-car-insurance-yes-insurance-uk.html"><b><u>Yes Car Insurance</u></b></a> - More people talk about <i>yes car insurance</i>. What the different with other<a alt="car insurance" href="http://yees-insurance.blogspot.com/2011/03/free-car-insurance-quotes.html"><b> car insurance</b></a>? As I know, Yes Car Insurance is specialises in insurance for older cars, second hand cars and for low mileage and female drivers. <b><u>Yes car insurance</u></b> also offering low price premiums for motorists in such situations and for people seeking non-comprehensive cover. <br />
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<i>Yes Car Insurance </i>helps motorists find the most suitable policy by searching a panel of more than 20 leading UK car insurance providers. Several different levels of car insurance are available, ranging from comprehensive to third party fire and theft and third party-only cover. Drivers that opt for the most comprehensive cover from <a href="http://yees-insurance.blogspot.com/2011/05/yes-car-insurance-yes-insurance-uk.html" alt='yes car insurance'><b>Yes Car Insurance</b></a> receive a courtesy car while their vehicle is at an approved repairer, a three-year guarantee on repairs carried out by an approved repairer, and cover for medical expenses up to £200.<br />
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Customers can also add a range of optional extras to policy including:<br />
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* Breakdown Cover<br />
* Foreign Travel cover<br />
* Motor Legal Protection<br />
* Personal Accident cover up to £5,000 for the regular driver and his/her spouse<br />
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<a href="http://yees-insurance.blogspot.com/" alt='yes insurance'><b>Yes Insurance</b></a> also offers home and<i> van insurance</i>, both of which are provided by a panel of <b>leading insurance companies</b>. So it's very recomended <a alt="car insurance" href="http://yees-insurance.blogspot.com/2011/03/free-car-insurance-quotes.html"><b> car insurance</b></a>.<br />
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<h3 style='display:none;'>yes car insurance, yes insurance, yes insurance company, yes insurance UK</h3>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-32240073708156092612011-05-06T22:13:00.000-06:002011-05-09T09:06:36.633-06:00The General Auto Insurance<b>The General Automobile Insurance Services</b> has been in business for more than 40 years. The company provides car insurance to drivers and may be able to insure drivers with less-than-perfect driving records.<br />
<h2>About The General Auto Insurance Company </h2><a href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html"><i>The General Auto Insurance Company</i></a> is a subsidiary of PGC Holdings Corp. The company's car <a alt="yes insurance" href="http://yees-insurance.blogspot.com/" title="yes insurance"><i>insurance</i></a> is provided through Permanent General Assurance Corporation and Permanent General Assurance Corporation of Ohio. Both of these companies have been rated as "Excellent" by A.M. Best, a credit-rating agency serving the financial and <a alt="health insurance" href="http://yees-insurance.blogspot.com/2011/03/bestquote-for-car-insurance-life.html" title="health insurance"><i>health</i></a> care industries.<br />
<h2><a alt="car insurance quote and coverage" href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html" title="car insurance quote and coverage">Coverage</a> for High Risk Drivers </h2>If you are considered a <u>high risk driver</u> you may be able to get <i>coverage</i> from this company.<a alt="high risk coverage" href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html" title="high risk coverage"><b> High risk coverage</b></a> is also known as "nonstandard <a alt="auto insurance" href="http://yees-insurance.blogspot.com/2011/03/auto-insurance.html" title="auto insurance"><i> auto insurance</i></a>." You may be considered a <u>higher insurance risk</u> in these situations: <br />
<ul><li>You have a history of moving violations or you have been involved in an accident for which you were deemed the at-fault driver. </li>
<li>You have only been a licensed driver for a short time. </li>
<li><a href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html"><i>Your insurance coverage</i></a> lapsed at some point. </li>
<li>You drive a high-performance vehicle or one that is expensive to repair. </li>
</ul>In these circumstances, you may not be able to buy insurance from an standard <a alt="yes insurance" href="http://yees-insurance.blogspot.com/" title="yes insurance"><b>insurance</b></a> company. Some insurers, like the <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html" title="general auto insurance"><b>General Auto Insurance</b></a>, do provide <i>insurance</i> products to this market. <br />
<h3>SR-22 Filings </h3>A high-risk driver may be required to provide proof of<a alt="yes insurance" href="http://yees-insurance.blogspot.com/" target="blank" title="yes insurance"><i> insurance</i></a> to the state where they operate the vehicle. An SR-22 may be needed if you were involved in an accident and were uninsured at the time or you were the at-fault driver in an accident. This company can help drivers who need to produce an SR-22 in most parts of the United States. <br />
Depending on the offense and the jurisdiction where you live, you may need to have SR-22 <u>coverage </u>in place for several years. The average amount of time the SR-22 is required is three years. When you ask for an <a alt="best online quote" href="http://yees-insurance.blogspot.com/2011/03/bestquote-for-car-insurance-life.html" title="best online quote"><i>online quote</i></a> from the <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html"><b>General Auto Insurance Company</b></a>, simply indicate that you need to make an SR-22 filing. The necessary form will be provided when you buy your policy, and you can take it to the Department of Motor Vehicles to get your driving privileges reinstated. <br />
<h2>How to Get a Quote for Your Insurance Coverage </h2>You can get a quote for your insurance coverage by visiting the <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html"><b>General Auto Insurance</b> web site</a>. In just a few minutes, you will know how much this company will charge for your coverage. You are not required to submit any personal information to get an <a alt="best online quote" href="http://yees-insurance.blogspot.com/2011/03/bestquote-for-car-insurance-life.html" title="best online quote">online quote</a>. <br />
If you decide that you would like to go ahead and purchase a policy from this company, you will be asked to provide the following information: <br />
<ul><li>Drivers License Numbers for all drivers listed on the policy </li>
<li>VIN (Vehicle Identification Number) of the vehicle </li>
<li>Name of finance or lease company (if you are still making payments on the vehicle) </li>
</ul>The <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html"><u>General Auto Insurance</u></a> will take steps to verify your driving record before you buy a policy to avoid price changes after you have made your initial payment. Once you buy your policy and make the first payment your coverage will start immediately. You may also choose to buy your policy now and start your coverage within 30 days. <br />
<h2>Payment Options </h2>To better serve their customers' needs, the <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html"><u><i>General Auto Insurance Company</i></u></a> offers its customers low down payments to get coverage in place. The Company offers monthly payment plans by direct withdrawal from a bank account or by charging the premium to a credit card. Discounts are offered to those who wish to pay for six or 12 months at a time.Unknownnoreply@blogger.com38tag:blogger.com,1999:blog-5727222838959484824.post-23955437828206403122011-05-01T23:53:00.000-06:002011-05-09T23:54:21.027-06:00Geico Motorcycle Insurance Quote | Insurance Company Information<h2 style="display: none;">motorcycle insurance quote, geico insurance company information, Best motorcycle Insurance Companies, free quote motorcycle insurance</h2><br />
<h3>Before You Get Your Motor Running, Get a Motorcycle Insurance Quote</h3>Rev up your savings with <a alt="motorcycle insurance" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html"><b>motorcycle insurance</b></a> from GEICO. No matter what you own – a sport bike, cruiser, standard, touring bike, or a sweet custom ride, you can turn to us for great rates and the best coverage. We even offer scooter insurance. Enjoy the freedom of the open road knowing that the Gecko®'s got your back!<br />
Get free <a alt="motorcycle insurance quotes" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html"><i>motorcycle insurance quotes</i></a> anytime.<br />
<h3>Why Choose GEICO for Motorcycle Insurance?</h3>Thought that GEICO was all about <a alt="car insurance" href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html"><i>car insurance</i></a>, did you? Think again! We take <b>motorcycles</b> as seriously as you do, and we're pleased to provide you with<a alt="top quality coverage" href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html"> top-quality coverage</a> for your bike. With GEICO, you get:<br />
<ul><li>Outstanding customer service (rated 4.7 out of 5 by our <a alt="motorcycle insurance" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html"><b>motorcycle insurance</b></a> policyholders).</li>
</ul><ul><li>Affordable premiums and flexible payment plans.</li>
</ul><ul><li>Secure online payment and account management.</li>
</ul><ul><li>24-hour access to our licensed insurance professionals at <span class="phoneNum">1-800-442-9253</span>.</li>
</ul>Get a <i><a alt="motorcycle insurance quote" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html">motorcycle insurance quote</a></i> and see what GEICO can do for you.<br />
Need more convincing? See what our current customers have to say about our <u>motorcycle insurance</u>.<br />
<h3>Supersize Your Savings with Discounts</h3>Shave even more off of your premium. GEICO offers a variety of <a alt="motorcycle insurance discounts" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html">motorcycle insurance discounts</a> to maximize your savings. Save with our many discounts if you:<br />
<ul><li>Transfer your <i>motorcycle insurance</i> to GEICO® Motorcycle, underwritten by GEICO Indemnity Company.</li>
</ul><ul><li>Insure more than one motorcycle.</li>
</ul><ul><li>Renew your motorcycle policy.</li>
</ul><ul><li>Complete a <a href="http://msf-usa.org/" rel="nofollow" target="_blank">Motorcycle Safety Foundation</a> or Military Safety Course.</li>
</ul><ul><li>Insure your car with GEICO.</li>
</ul><ul><li>Are a mature rider.</li>
</ul><a href="https://motorcycle.geico.com/motorcycle/default.aspx?">Get a quote to find out how much you can save on your motorcycle insurance</a>.<br />
<h3>Choose Your Way to Pay</h3>With GEICO, you can choose from many different ways to pay your <a alt="motorcycle insurance premium" href="http://company-insurance-information.blogspot.com/2011/05/geico-motorcycle-insurance-quote.html">motorcycle insurance premium</a>. Pay all at once, pay monthly, or break up your payments into 4, 6, or even 9 installments. Whatever works best for your budget works best for us. Find out more about all of the <a href="http://www.geico.com/information/paymentoptions/motorcycle-methods-and-plans/" rel="nofollow" target="blank">payment methods</a> available to you.<br />
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<h3 style="display: none;">motorcycle insurance quote, geico insurance company information, Best motorcycle Insurance Companies, free quote motorcycle insurance</h3>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-25324349897002207272011-03-14T18:23:00.000-06:002011-05-07T00:44:59.435-06:00What Exactly Is Property and Casualty Insurance?<div id="body">The <i>Property and Casualty Insurance</i> is designed to take care of most of the risks to an individual or a <b>business's property</b> like damage, records, losing money, theft, furniture, trademarks, machinery and as well as supplies. There are some <u>special insurance policies</u> currently available that are designed to cover natural disasters like earthquakes, and floods which may damage and individual's private residence.<br />
A <i>property</i> may be insured for named or multiple dangers. You will need to accurately identify all that you have lost. A key example is when your house is burnt down by fire, you would only be allowed to make a claim under the "<b>named peril property insurance</b>" if you had previously insured your house against fire. The other perils that are commonly covered are theft, explosion and lightning. You should always carefully examine all the risks that are part of your <u>insurance</u> policy. Otherwise, you may end up paying for <i>insurance </i>that would not assist you in the event of maybe your car stolen.<br />
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All causes of damage or loss that have not been removed from a policy are covered by the open perils. Unless your<b> insurance premium</b> explicitly excluded it, you will be able to receive assistance from open perils <u>property insurance</u>. If you did not take the option to be insured for floods, you will definitely not receive assistance for any damage to your house caused by a flood. Some of the items that are often found in the list of open perils exclusion are nuclear accidents, earthquakes, war, and acts of terrorism. You can purchase an additional coverage plan if your open peril insurance does not cover the open peril that you may face.<br />
The cost of <b>property insurance</b> premiums may be reduced if the client have a good claim history and have taken the proper steps to reduce the risk of damage or loss. Some ways of reducing the cost of property insurance is by installing alarms, sprinkler systems, smoke detectors and security personnel. Mostly it depends on whether or not the steps taken can in reality prevent damages.<br />
Many businesses and companies prefer insuring their properties with a Business Owner's Insurance premium known as BOP. In this policy, <a alt="liability insurance" href="http://yees-insurance.blogspot.com/2011/03/professional-liability-insurance.html" title="liability insurance"><u>liability insurance</u></a> and <a alt="property insurance" href="http://yees-insurance.blogspot.com/2011/03/what-exactly-is-property-and-casualty.html" title="property insurance"><u>property insurance</u></a> are joined into a single policy to create this <b>special insurance policy</b>. Some of these BOPs also offer Business Interruption and <i>Extra Expense insurance premium</i> as a further option.<br />
The BOPs are considered very convenient though it provides less coverage than the <u>standard insurance premiums</u>. This explains why many companies that opt for it also end up buying other policies for a full coverage. A good example of a BOP is the premium called the "<b>extra expense insurance</b>". This works by reimbursing the policy holder money to cover the effects of a short-term move in the event of an incident covered by the policy occurring e.g. a flood. While the "<i>Business Interruption Insurance</i>" pays for any likely loss of revenue or profit in the event of the business being interrupted by an incident covered by the policy.</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-5727222838959484824.post-54849008688325998822011-03-14T18:22:00.001-06:002011-05-07T00:50:36.291-06:00How Can You Trust An Insurance Company?With insurance costs on the rise, selecting the right income protection insurance or other<u> insurance company </u>right for you can be a little confusing. It is important to remember that <b>insurance companies</b> are like any other and they are selling products and services to make profit. Too many people pay money for years only to find out that their <i> <a alt="insurance company" href="http://yees-insurance.blogspot.com/2011/03/how-can-you-trust-insurance-company.html" title="insurance company">insurance company</a></i> finds a way to not honour their payment in a time of need. So how do we deal with this issue?<br />
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<ul><li><b>Get over the marketing.</b> <u>Insurance companies</u> have a million and one ways to try and convince us they are reliable and will always be there for you. With names like 'Trust', 'Care', 'Life Long' (disclaimer - these are only examples and do not refer to any particular company) you have to understand that they will use all the possible tools of marketing to get your business. When it comes to paying out your claim they have an entirely different approach. Ignore names, branding, images and the like. Understand that it is all marketing and not making legal promises. What counts is what you pay and what you get - nothing else.</li>
<li><b>Get real about them not paying.</b> Many insurance companies, including<a alt="life insurance" href="http://yees-insurance.blogspot.com/2011/03/bestquote-for-car-insurance-life.html" title="life insurance"><i> life insurance</i></a>, home and contents etc, have particular people that are employed not to pay you. This has been exposed a number of times in the media and you need to get real about it. Individuals or organisations that increase their income to find ways to knock back claims. Insurance companies would not make money if they paid out more than they earned. So not paying is something that they must take seriously. They must investigate situation and protect themselves against fraudulent claims, and this will mean many measures inside their company to investigate your claim. Because of the competitive nature of business, you can naturally expect those in the business of investigating claims to be paid incentives when finding legal reasons not to pay - this is just the nature of any modern business today.</li>
<li><b>Read their claims. </b>Understand when you see a statement made by any company it does not mean they are making a legally binding agreement with you. Many statements are not legally binding agreements and are purely marketing. Don't be fooled by what is what.</li>
<li><b>Understanding contracts. </b>The reality is that contracts are made up of many definitions and terms. You must refer to the definitions of these terms. The reason why a claim is not paid is often based on the definition of a word used in the contract. Do not take words in a contract to mean what they normally do in plain language.</li>
</ul>So, can you trust your<i> insurance company</i>? The short answer is no. It is not a matter of trust or not, it is about understanding that you are entering into a legal agreement which will come under scrutiny at the time of your claim. It is important to note that many of us go straight for our policy and contracts when something happens to see if we are protected and this is exactly the point of this article and the approach we need to take with <b>insurance companies</b>. Know your contract, understand your obligations and rights. A good policy will be clear and concise.Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-69442413067439389452011-03-06T19:52:00.000-07:002011-05-07T00:58:03.432-06:00Buying Life Insurance: What Kind and How Much?Finding the middle ground between being "<b>insurance poor</b>" and unprotected requires assessing real needs and choosing products that are affordable. This article introduces different types of <i>insurance products</i> and the role that they can play in a personal financial plan.<br />
<a name='more'></a><div class="chap"><div class="header" id="c1"><div class="title"><h3>Buying Life Insurance</h3></div></div>Conventional wisdom says that <a alt="buying life insurance" href="http://yees-insurance.blogspot.com/2011/03/buying-life-insurance-what-kind-and-how.html" title="buying life insurance"><i>life insurance</i></a> is sold, not purchased. In other words, some people are reluctant to discuss the importance of owning <u>life insurance</u>, and others are simply unaware of the need to have <b>life insurance</b>. Although many large companies provide <i>life insurance</i> as part of their benefits package, this coverage may be insufficient.<br />
Who needs <u>life insurance</u>? If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need<b> life insurance</b>. Older couples also may need <i>life insurance</i> to protect a surviving spouse against the possibility of the couple's retirement savings being depleted by unexpected medical expenses. And individuals with substantial assets may need<u> life insurance</u> to help reduce the effects of estate taxes or to transfer wealth to future generations. <br />
<a class="top" href="http://finance.yahoo.com/how-to-guide/insurance/12823#top"></a></div><div class="chap"><div class="header" id="c2"><br />
<div class="title"><h3>Types of Insurance</h3></div></div><b>Term insurance</b> is the most basic, and generally least expensive, form of <b>life insurance</b> for people under age 50. A term policy is written for a specific period of time, typically 1 to 10 years, and may be renewable at the end of each term. Also, the premiums increase at the end of each term and can become prohibitively expensive for older individuals. A level term policy locks in the annual premium for periods of up to 30 years.<br />
<b>Declining Balance Term insurance</b>, a variation on this theme, is often used as mortgage<i> insurance</i> since it can be written to match the amortization of your mortgage principal. While the premium stays constant over the term, the face value steadily declines. Once the mortgage is paid off, the insurance is no longer needed and the policy expires. Unlike many other policies, term insurance has no cash value. In this sense, it is "pure" insurance without any investment options. Benefits are paid only if you die during the policy's term. After the term ends, your coverage expires unless you choose to renew the policy. When <u>buying term insurance</u>, you might look for a policy that is renewable up to age 70 and convertible to permanent insurance without a medical exam. <br />
<b>Whole Life </b>combines permanent protection with a savings component. As long as you continue to pay the premiums, you are able to lock in coverage at a level premium rate. Part of that premium accrues as cash value. As the policy gains value, you may be able to borrow up to 90% of your policy's cash value tax-free. <br />
<b>Universal Life</b> is similar to whole life with the added benefit of potentially higher earnings on the savings component. Universal life policies are also highly flexible in regard to premiums and face value. Premiums can be increased, decreased or deferred, and cash values can be withdrawn. You may also have the option to change face values. Universal life policies typically offer a guaranteed return on cash value, usually at least 4%. You'll receive an annual statement that details cash value, total protection, earnings, and fees. <br />
Drawbacks to this type of insurance include higher fees and interest rate sensitivity. Universal policies include up-front fees as well as ongoing administrative fees totaling as high as 5% to 7% of your premiums. You may also find your premiums increasing when interest rates decline. <br />
<b>Variable Life </b>generally offers fixed premiums and control over your policy's cash value. Your cash value is invested in your choice of stock, bond, or money market funding options. Cash values and death benefits can rise and fall based on the performance of your investment choices. Although death benefits usually have a floor, there is no guarantee on cash values. Fees for these policies may be higher than for universal life, and investment options can be volatile. On the plus side, capital gains and other investment earnings accrue tax deferred as long as the funds remain invested in the<b> insurance contract</b>. <br />
<b>Universal Variable Life</b> insurance is the most aggressive type of policy. Like variable life, you control your investment in mutual funds. However, there are no guarantees on universal variable policies beyond the original face value death benefit. These policies are probably best suited to affluent buyers who can afford the risks involved. <br />
<b>Key Terms and Definitions</b><br />
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<ul style="list-style: disc outside none; padding-left: 15px;"><li style="padding-bottom: 10px;"> <b>Face Value</b> -- The original death benefit amount.</li>
<li style="padding-bottom: 10px;"><b>Convertibility</b> -- Option to convert from one type of policy (term) to another (whole life), usually without a physical examination.</li>
<li style="padding-bottom: 10px;"><b>Cash Value</b> -- The savings portion of a policy that can be borrowed against or cashed in.</li>
<li style="padding-bottom: 10px;"><b>Premiums</b> -- Monthly, quarterly, or yearly payments required to maintain coverage.</li>
<li style="padding-bottom: 10px;"><b>Beneficiary</b> -- The individual(s) or entity (e.g., trust) that is designated as benefit recipient.</li>
<li style="padding-bottom: 10px;"><b>Paid Up</b> -- A policy requiring no further premium payments due to prepayment or earnings.</li>
</ul><br />
<a class="top" href="http://finance.yahoo.com/how-to-guide/insurance/12823#top"></a></div><div class="chap"><div class="header" id="c3"><div class="title"><h3>How Much Insurance Do I Need?</h3></div></div>A popular approach to buying insurance is based on income replacement. In this approach, a formula of between five and ten times your annual salary is often used to calculate how much coverage you need. Another approach is to purchase insurance based on your individual needs and preferences. The first step is to determine your unique income replacement needs.<br />
Currently, a large portion of your income goes to taxes (insurance benefits are generally income tax free) and to support your own lifestyle. Start off by determining your net earnings after taxes. Then add up all your personal expenses such as food, clothing, magazine subscriptions, club memberships, transportation expenses, etc. The remainder represents annual income that your insurance will need to replace. You'll want a death benefit amount which, when invested, will provide income annually to cover this amount. Then, you should add to that the amounts needed to fund one-time expenses such as college tuition for your children or paying down mortgage or debt. <br />
Income replacement for nonworking spouses is an important and often overlooked insurance need. Coverage should provide for your costs for day care, housekeeping, or nursing care. Add to this any net earnings from part-time employment. <br />
Finally, estimate your own "final expenses" such as estate taxes, uninsured medical costs, and funeral costs. <br />
<a class="top" href="http://finance.yahoo.com/how-to-guide/insurance/12823#top"></a></div><div class="chap"><div class="header" id="c4"><br />
<div class="title"><h3>Other Types of Life Insurance</h3></div></div><b>Survivorship life insurance</b> (also referred to as last-to-die or second-to-die) is a unique type of contract that insures the lives of two people. It pays a death benefit upon the death of the second insured. Therefore, it is typically less expensive than two individual policies. Survivorship life is often used for estate planning, where it may be possible to potentially leverage today's dollars -- via insurance premiums -- into a potentially significant death benefit that can be used to fund estate taxes, create wealth for future generations, or benefit a charity. These policies may be available if one insured is medically "uninsurable."<br />
<b>First-to-die life insurance</b> insures the life of at least two people and pays a benefit upon the death of the first insured. This policy is useful for covering a mortgage or other large debt obligation where there is more than one debtor. In addition, it can be an ideal tool for funding a buy-sell agreement within a closely held business. <br />
<a class="top" href="http://finance.yahoo.com/how-to-guide/insurance/12823#top"></a></div><div class="chap"><div class="header" id="c5"><br />
<div class="title"><h3>Conclusion</h3></div></div><i>Life insurance</i> is an important component of a sound financial plan. Buying insurance involves asking a variety of personal lifestyle and financial questions. If you are not already working with an insurance professional, you may want to consider the advice of a fee-for-service financial planner who can offer you an objective review of your insurance options. When you decide on what you want, there are many solid <a alt="insurance company" href="http://yees-insurance.blogspot.com/2011/03/how-can-you-trust-insurance-company.html" title="insurance companies"><u>insurance companies</u></a> to choose from. Consult your library or an independent insurance professional for companies with the highest ratings from the four ratings agencies: AM Best, Duff Phelps, Standard & Poor's, and Moody's.<br />
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</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-29238156196573137382011-03-06T00:09:00.000-07:002011-05-07T01:09:47.655-06:00Liability auto Insurance<a alt="car insurance" href="http://yees-insurance.blogspot.com/" title="car insurance"><u>Car insurance</u></a> covering<b> liability</b> for injuries and property damage done to others is required in the majority of states, though different states enforce the requirement differently. The state of New Hampshire, for instance, does not insist that motorists carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they decide not to <a href="http://yees-insurance.blogspot.com/2011/03/professional-liability-insurance.html" alt='buy liability insurance'><i>buy liability insurance</i></a>. <br />
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<span class="style1464125">Also, penalties differ state to state in regards to <b>buying insurance</b>, including license suspension, registration penalty fees and even possible jail time! Generally, the bare minimum by local law is that a third party <a href="http://yees-insurance.blogspot.com/2011/03/how-can-you-trust-insurance-company.html" alt='insurance company'><u>insurance company</u></a> watches over persons from <a href="http://yees-insurance.blogspot.com/2011/03/professional-liability-insurance.html" alt='financial liability'><i>financial liability</i></a>, damaged vehicles and injury.</span><br />
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The most important factors for the underwriter are risk on vehicles and retail costs in Huntsville. The most recognizable insurance providers of <a href="http://yees-insurance.blogspot.com/" alt='car insurance'><i>car insurance</i></a> have restrictions against vehicles that are created for speed or vehicles that are above a certain price range. <br />
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Motor bikes will carry low property premiums because they don’t generally cost as much but they have very <i>high liability</i> premiums because of the <u>high risk nature</u> of riding. Risk classification on automobiles also considers statistical analysis of reported theft, collisions, and mechanical malfunction on every given year, make, and model of car.Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-31330712110615086552011-03-06T00:03:00.000-07:002011-03-06T00:03:42.077-07:00Auto Insurance Claims Forms (OCF Forms)The OCF forms and Settlement Disclosure Notice form, available for printing or downloading in Adobe Acrobat (.pdf), have been approved by the Superintendent for use in the circumstances described on each form. <br />
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The revised <a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/default.asp#for1">Assessment of Attendant Care Needs (Form 1)</a> is also available below.<br />
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Please note that pursuant to Regulation 7/00 (Unfair or Deceptive Acts or Practices), the use of a document in place of a form approved by the Superintendent constitutes an unfair or deceptive act or practice unless none of the deviations in the document affects the substance or is calculated to mislead.<br />
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<br />
<b>** Please note: All forms effective September 1, 2010 are fillable and saveable. ** </b><br />
<h3><b><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf1"></a> OCF-1: Application for Accident Benefits</b></h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1224E.pdf">PDF</a>)* </li>
<li>Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF1_13-03-2007.pdf">PDF</a>)* </li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf-1.Jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF-1-03-06.doc">MS Word</a>) </li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf1-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf2"></a> OCF-2: Employer's Confirmation Form </h3><ul><li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf2-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf3"></a> OCF-3: Disability Certificate </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1226E.pdf">PDF</a>)* </li>
<li>Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF3_26-02-2007.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF3_26-02-2007.doc">MS Word</a>) </li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF3-jan30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF3-03-06_000.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf3-12-04.pdf">PDF</a>) </li>
</ul><h3><b><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf4"></a> OCF-4: Death and Funeral Benefits Application</b></h3><ul><li><b> </b>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF4.Jan30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF4-03-06_000.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf4-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf5"></a> OCF-5: Permission to Disclose Health Information</h3><ul><li> Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1225E.pdf">PDF</a>)* </li>
<li>Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF5_26-02-2007.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF5_26-02-2007.doc">MS Word</a>)</li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF-5.jan30-06.pdf">PDF</a>) <a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF5-03-06-x_000.doc">(MS Word)</a></li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf5-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf6"></a> OCF-6: Expenses Claim Form</h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1227E.pdf">PDF</a>)* </li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-ocf6-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf9"></a> OCF-9: Explanation of Benefits Payable by Insurance Company </h3><ul><li> Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF9-Jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF9-03-06.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf9-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf10"></a> OCF-10: Election of Income Replacement, Non-Earner or Caregiver Benefit </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1228E.pdf">PDF</a>)* </li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf10-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf11"></a> OCF-11: Designated Assessment Centre Referral, Plan and Summary Form</h3><ul><li>No longer in use.</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf12"></a> OCF-12: Activities of Normal Life </h3><ul><li> Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF12.jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF12-03-06_000.doc">MS Word</a>)</li>
<li> Effective as of November 1, 1996 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf12-10-02.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf13"></a> OCF-13: Declaration of Post-Accident Income and Benefits</h3><ul><li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF13-08-13-08.pdf">PDF</a>)*</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ofc14"></a> OCF-14: Permission to Disclose Health Information to the Designated Assessment Centre </h3><ul><li>No longer in use.</li>
</ul><h3>OCF-17: Notice of Stoppage of Weekly Benefits and Request for Assessment</h3><ul><li>Discontinued as of March 1, 2006. </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf18"></a> OCF-18: Treatment and Assessment Plan </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1207E.pdf">PDF</a>)*</li>
<li>Effective as of January 7, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF18_01-08.v3.pdf">PDF</a>) * </li>
<li> Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF18_26-02-2007.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF18_26-02-2007.doc">MS Word</a>)</li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF18-03-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF18-03-06_rev.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf18-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf18-12-04.pdf"> </a> <a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf19"></a> OCF-19: Application for Determination of Catastrophic Impairment </h3><ul><li> Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1229E.pdf">PDF</a>)* </li>
<li>Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF19_26-02-2007.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF19_26-02-2007.doc">MS Word</a>)</li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF-19.jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF19-03-06_000.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf19-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf20"></a> OCF-20: Catastrophic Impairment Determination and Request for Assessment </h3><ul><li>Discontinued as of March 1, 2006. </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf21"></a> OCF-21: Auto Insurance Standard Invoice </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1208E.pdf">PDF</a>)*</li>
<li> Effective as of January 7, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF21_01-08.v2.pdf">PDF</a>)*</li>
<li>Effective as of April 2, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF21_02-11-2007.pdf">PDF</a>) </li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF21.jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF21_01-02-2007.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf21-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf22"></a><b> OCF-22: Application for Approval of an Assessment or Examination</b></h3><b>NB: Discontinued as of September 1, 2010. </b><br />
<ul><li> Effective as of January 7, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF22_01-08.pdf">PDF</a>)* </li>
<li>Effective as of May 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF22_26-02-2007.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF22_23-07-2007.doc">MS Word</a>)</li>
<li>Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF22-03-06_rev.pdf">PDF</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf22-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf23"></a> OCF-23: Treatment Confirmation Form </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1209E.pdf">PDF</a>)*</li>
<li>Effective as of January 7, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF23_01-08.pdf">PDF</a>)</li>
<li> Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF-23.jan30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF23_12-01-2007.doc">MS Word</a>)</li>
<li> Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf23-12-04.pdf">PDF</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf24"></a> OCF-24: Minor Injury Treatment Discharge Report </h3><ul><li>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1220E.pdf">PDF</a>)* </li>
<li>Effective as of October 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF-24_11-07-2007.pdf">PDF</a>) </li>
<li>Effective as of December 1, 2004 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/ocf24-12-04.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf25"></a> OCF-25: Notice of Examination</h3><ul><li> Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-OCF25-jan-30-06.pdf">PDF</a>)* (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF25-03-06_001.doc">Fillable MS Word</a>)</li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf26"></a> OCF-26: Voluntary Consent for Pre-Claim Examination</h3><ul><li> Effective as of March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF26-jan-30-06.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/OCF26-03-06.doc">MS Word</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="ocf198"></a> Settlement Disclosure Notice</h3><ul><li><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="SDN1"></a>Effective as of September 1, 2010 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1222E.pdf">PDF</a>)*</li>
<li> <a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="SDN2"></a>Effective as of October 1, 2003 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/sdn-198-10-03.pdf">PDF</a>) </li>
</ul><h3><a href="http://www.blogger.com/post-edit.g?blogID=5727222838959484824&postID=3133071211061508655" name="for1"></a> Form 1: Assessment of Attendant Care Needs</h3><ul><li>On and after September 1, 2010, use this form for accidents occurring on or after March 31, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/1223E.pdf">PDF</a>) </li>
<li>Until August 31, 2010, use this form for accidents occurring on or after March 31, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/s-Form1-03-2008.pdf">PDF</a>)* </li>
<li> Use this form for accidents occurring on or after February 1, 2007 and before March 31, 2008 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/Form1_12-12-2006.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/Form1_12-12-2006.doc">MS Word</a>) </li>
<li> Use this form for accidents occurring on or after March 1, 2006 and before February 1, 2007 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/rev_form1_09-2006.pdf">PDF</a>) (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/rev_form1_09-2006.doc">MS Word</a>) </li>
<li> Use this form for accidents occurring on or after October 1, 2003 and before March 1, 2006 (<a href="http://www.fsco.gov.on.ca/english/forms/autoforms/claims/form1.pdf">PDF</a>) </li>
</ul><div class="maintext"><a href="http://www.adobe.com/products/acrobat/readstep.html"><img align="left" alt="Get Adobe Acrobat Reader" border="0" hspace="3" src="http://www.fsco.gov.on.ca/images/pdficon.gif" /></a>Adobe Acrobat® Reader enables you to view and print PDF documents, as well as use Fillable/Saveable PDF* forms. Download the latest version of Adobe Acrobat® Reader by visiting the <a href="http://www.adobe.com/products/acrobat/readstep.html">Adobe Website</a>.</div><div class="maintext">* Please Note: In order to make use of the "SAVE" feature, Adobe Acrobat® Reader version 7.0 or higher must be installed.</div>Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-5727222838959484824.post-71801809206859957342011-03-06T00:01:00.001-07:002011-05-07T08:50:20.072-06:00Delaware Auto Insurance | Car Insurance Quotes<b>Online Delaware Car Insurance Quotes Save Drivers Hundreds of Dollars</b><br />
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Finding cheap Delaware car insurance quotes online is safe, quick, easy and free. Saving hundreds of dollars on your auto insurance is just a few clicks away. Enter your zip code above to begin your search.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-69666988617582223072011-03-06T00:00:00.001-07:002011-03-06T00:00:42.287-07:00WELCOME TO AG WORKERSA true mutual auto insurance company where our policy holders are also our members and members have received dividends every year for over 60 years, totaling nearly $200 million dollars. If you reside in Texas and are employed in the field of agriculture, agricuture science, agriculture education, veterinary medicine or family consumer science you could qualify to become a part of our select-risk group of members. Get your free quote today by completing our on-line application or calling one of our friendly customer service representatives at 1-800-772-7424 and let Ag Workers save you money.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-651081409423135362011-03-05T10:50:00.001-07:002011-03-05T10:50:35.913-07:00Professional liability insurance<span class="Apple-style-span" style="font-family: sans-serif; font-size: 13px; line-height: 19px;"></span><br />
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.4em;"><b>Professional liability insurance</b>, also called Professional Indemnity Insurance, protects professional practitioners against potential <a href="http://en.wikipedia.org/wiki/Negligence" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;">negligence</a> claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Medical_Malpractice" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;" title="Medical Malpractice">Medical Malpractice</a>. <a href="http://en.wikipedia.org/wiki/Notary_public" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;" title="Notary public">Notaries public</a> may take out <a href="http://en.wikipedia.org/wiki/Errors_and_omissions_insurance" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;">errors and omissions insurance</a> (E&O). </div><a name='more'></a>Other potential E&O policyholders include, for example, <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Real_estate_broker" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;" title="Real estate broker">real estate brokers</a>, <a href="http://en.wikipedia.org/wiki/Appraiser" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;" title="Appraiser">appraisers</a>, management consultants and website developers. There are also specific E&O policies for technology companies, such as software developers, technology consultants and other creators of technology. This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold. Additional coverage for breach of warranty, intellectual property, personal injury, security and cost of contract can be added. In a nutshell, this coverage could benefit any business that provides advice or gives a service - and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service.<br />
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.4em;">The primary reason for professional liability coverage is that a typical general <a href="http://en.wikipedia.org/wiki/Liability_insurance" style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: none; background-origin: initial; background-position: initial initial; background-repeat: initial initial; color: #0645ad; text-decoration: none;">liability insurance</a> policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. The above mentioned professional services and products can cause claims without causing a bodily injury, property damage, personal injury or advertising injury. Common reasons alleged in making claims on these policies are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. For example, if a software product fails to perform properly, it may not cause physical damages, personal or advertising injuries, therefore the general liability policy would not be triggered. It may, however, directly cause financial losses which could potentially be attributed to the software developer's misrepresentation of the product capabilities. Importantly, the coverage may not just cover the financial loss but also provide for the defence costs - even if a legal action turns out to be groundless.</div><div style="line-height: 1.5em; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.4em;">Professional liability insurance policies are generally set up based on a claims-made basis, meaning that the policy only covers claims made during the policy period, claims which may relate to incidents occurring before the coverage was active may not be covered. However these policies will have a retroactive date which can operate to provide cover for claims made during the policy period but which relate to an incident after the retroactive date (where the retroactive date is earlier than the inception date of the policy). It is important to continue your coverage, because cancelling the policy, will in effect, make it as if you never had coverage for any incidents.</div><div style="line-height: 1.5em; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.4em;">Although the phrase 'professional liability insurance' is often used to describe the cover provided by a professional indemnity policy, it may also refer to a simple liability policy for professionals. Such liability insurance comprises the standard Employers, Public and Product Liability and is available either as part of a professional indemnity policy or on a separate policy on its own.</div><div style="line-height: 1.5em; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.4em;">These policies used only to be available through traditional insurance agents, but like auto insurance there is now some momentum for these policies to be available through small business insurance online quote and buy facilities such as Hiscox or Insurancebee.</div>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-5727222838959484824.post-69116895330319668872011-03-05T10:42:00.001-07:002011-05-07T08:44:40.990-06:00Structured Insurance SettlementBenefits of a<b> Structured Insurance Settlement</b><br />
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When faced with the decision about accepting a structured settlement, or selling the <u>settlement</u> to receive a large lump sum payment, there are a few things to remember. For many reasons, it’s found to be a better decision to accept the <i>structured settlement</i>.<br />
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Here are the benefits of choosing the <b>structured settlement</b> option:<br />
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1. The money received from a <i>structured insurance settlement</i> is not taxed by the IRS.<br />
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2. When you receive money over a period of time, instead of in one large lump sum, you usually have less problems with family and close friends constantly trying to borrow money.<br />
3. Recipients of <u>structured settlements</u> don’t usually have the problem of where to invest large sums of money. The money is used for their day-to-day living expenses.<br />
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4. Very often, when a <b>structured insurance settlement</b> is offered, there isn’t a worry about having to go to court. It’s usually settled out of court, and the person who is being offered the <i>structured settlement</i> saves court costs.<br />
For many people there is a lure of receiving a big lump sum of money. This lure makes people really consider selling their <u>structured settlement</u> for cash. In many cases, the <b>structured settlement</b> can really be the better of the two choices.<br />
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Often times, when people have a big sum of money they forget that the money isn’t going to last forever. They begin going on a spending spree and the money is gone before they know it. With a <i>structured settlement</i>, you are sure to have money for the future and there isn’t the worry about spending it all at once.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-80095830384995970792011-03-04T09:41:00.000-07:002011-03-04T09:42:14.556-07:00Auto InsuranceWhen it comes to an auto insurance company, consumers have a vast selection of whom to become insured with. There is no single company that can meet the needs of all drivers which makes for a good reason to conduct a comparison. A competitive market can be beneficial to motorists due to the fact that insurers must keep rates affordable, offer ideal customer service and remain financially solvent to earn business.<br />
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With various carriers to choose from, it is important that motorists understand the make-up of insurers in order to help locate the right provider. The majority of companies use the same basic formula when calculating the premiums of potential policyholders. These factors usually include a driver's age, gender, driving history, place of residence and vehicle information.<br />
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Consumers should also be aware that there are certain companies who compete in the "standard" market and those who specialize in "non-standard" clientele. Dependent on the risk of the insured, a determination can be made as to whether a standard or non-standard company will suit best. Here is a summary of the different auto insurance company classifications:<br />
<h3>Standard (Preferred)</h3>Generally, insurers who target the standard market are aiming their business toward drivers who offer a "preferred" risk associated with insuring. These motorists are usually viewed a less of a liability to the company issuing the policy for reasons such as having a clean driving record with few or no violations, accidents or claims. In certain states where credit is allowed to be used by providers, this can also determine whether a standard auto insurance policy can be obtained.<br />
<h3>Non Standard</h3>Non-standard policies are mainly acquired by motorists that have a history of major violations, accidents, prior cancellations, claims and/or convictions of driving under the influence of drugs or alcohol. New drivers and those with high performance vehicles may also fall into this category. Generally, non-standard policies are offered at a higher rate and should be sought after once an individual has not been able to locate a company that can offer standard rates.<br />
<h3>Addmitted vs. Non-Admitted</h3>Every state has an insurance department which regulates insurers and it is important for consumers to understand that there are companies which are admitted (authorized) by the state and those that are considered non-admitted. An admitted carrier follows the guidelines of a particular state and must file rates with the state to gain approval for their use. In addition, it may be in a consumer's best interest to obtain a policy from an admitted carrier due the fact that they are also a part of a state's Insurance Guarantee Association which provides additional protection to policyholders should a carrier become financially insolvent. Non-admitted carriers do not need to file rates; therefore, premiums are not regulated and the state offers no protection against insolvency for policyholders. Such insurers are only allowed to conduct business within the state under certain circumstances and policyholder must sign acknowledgement of a "non admitted status". <br />
<h3><a href="http://autoinsurance.com/companies/ratings/">Top 10 Best Rated Auto Insurance Companies</a></h3>A rating can be a useful way to determine the financial strength, reliability and stability of an insurer. Certain independent companies assign insurers a letter grade based on a thorough analysis which can be used determine how a carrier is rated.Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-3714208026080837172011-03-04T09:38:00.001-07:002011-05-07T00:37:01.052-06:00general auto insurance<h1></h1><div class="left" id="inner-sidebar-left"><h2>General Auto Insurance</h2>The <i>General Automobile Insurance Services</i>, Inc. (The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC). Through its insurance company subsidiaries and their predecessors, PGC has been writing <u><a alt="general automobile insurance" href="http://yees-insurance.blogspot.com/2011/03/general-auto-insurance.html" title="general automobile insurance">automobile insurance</a></u> in many states throughout the country for almost 50 years (since 1963).<br />
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<h2>Financially Stable</h2>The General (an agency) offers <a alt="general auto insurance" href="http://yees-insurance.blogspot.com/2011/05/general-auto-insurance.html" title="general auto insurance"><i>auto insurance</i></a> online from Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The <u>General Automobile Insurance</u> Company, Inc. (<b>insurance companies</b>). These insurance companies have been recognized by A.M. Best for their financial stability with ratings of A- (“Excellent”). <br />
<h2>We accept most cars and drivers</h2>The General offers auto insurance for drivers that have had a history of driving violations or accidents, have not kept their insurance in force or have less than perfect credit. So, you can still find a good price for your <i>auto insurance</i> needs.<br />
<h2>Low down-payments</h2>We realize that you have other things you want to spend your money on. Therefore, it is our goal to offer a low down-payment option to every policyholder. We offer payment by credit/debit card, and we accept electronic checks in some states.<br />
<h2>Convenient monthly payments</h2>We combine our budget-sensitive payment plans with electronic verification of driver information and vehicle information when you are buying the policy so there are no surprises to you down the road.<br />
<h2>Quality Claims Handling</h2>Our policy and claims service organizations are focused on serving the customer to complete the recipe for success.<br />
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<center><a href="http://www3.ambest.com/ratings/profile.asp?ambnum=1894&RatingCode=15241894" rel="nofollow"><img height="83" src="http://www.thegeneral.com/content/img/bestsicon.gif" width="220" /></a> </center></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-85564005945421340032011-03-04T09:34:00.000-07:002011-05-07T00:31:28.838-06:00private health insurance | medical coverage insurance agent<h2>Private Health Insurance</h2>Illness or non-work related injury can be financially devastating, especially when considering the rising cost of health care over the past 20 years. <a alt="private health insurance" href="http://yees-insurance.blogspot.com/2011/03/private-health-insurance.html" title="health insurance"><b>Health insurance</b></a> can help protect you from large out-of-pocket<i> health </i> care expenses that can accumulate during an acute or chronic illness. If you have a job, your employer may provide group comprehensive <b> major medical coverage</b>. You can also purchase individual comprehensive major <i> medical coverage insurance agent</i> or broker who is licensed by the State of California to sell <u>health insurance products</u>.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5727222838959484824.post-11382688348533528932011-03-04T09:23:00.000-07:002011-05-06T23:42:06.135-06:00professional liability insurance computer consulting<b>General Liability, Professional Liability, and Errors and Omissions Insurance — we're America's leading online provider of business and professional insurance for the IT industry.</b><br />
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<h2>Business Insurance - Managing Your Risk</h2><b>Business insurance</b> protects you and your business with coverage for claims related to allegations of negligent activities or failure to use reasonable care. As one of America's leading online providers of <i>business insurance</i> for computer consulting and IT services firms, TechInsurance has helped thousands of businesses and individuals get the <a alt="small business liability insurance" href="http://yees-insurance.blogspot.com/2011/03/professional-liability-insurance.html" title="small business liability insurance"><u>small business liability insurance</u></a> they need. When you buy insurance from us, you get exclusive access to the years of experience and expertise we have accumulated in the business insurance industry. You need business insurance specifically designed to address the risks associated with IT services.<br />
<h2>General Liability Insurance Coverage</h2>TechInsurance works with leading carriers such as Hartford Insurance to provide Commercial <a alt="general liability insurance" href="http://yees-insurance.blogspot.com/2011/03/professional-liability-insurance.html" title="general liability insurance"><i>General Liability insurance</i></a> and Workers Compensation insurance for as little as $350 to $500 each per year. Check out our general liability insurance and property package policy that provides <i>small business liability insurance</i> as well as protection for your company's computers and other assets.<br />
<h2>Professional Liability Insurance</h2><div class="last-item">Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of <i>professional liability insurance</i> is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions <a href="http://yees-insurance.blogspot.com" title='yes insurance' alt='yes insurance'>insurance</a> policy for you that is affordable and effective.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-5727222838959484824.post-1520226181668929132011-03-04T07:54:00.000-07:002011-05-06T23:29:32.773-06:00Car Insurance Quotes and Coverage<div class="yui-u">You count on your car to get where you’re going. Shouldn’t you have a<i> car insurance </i>policy you can count on, too? Switch to Nationwide and you could save up to $523<sup>*</sup> on your <a alt="online auto insurance quote" href="http://yees-insurance.blogspot.com/2011/03/general-auto-insurance.html" title="online auto insurance quote"><i>online auto insurance quote</i></a>. You’ll also get <a alt="car insurance coverage" href="http://yees-insurance.blogspot.com/2011/03/car-insurance-quotes-and-coverage.html" title="car insurance coverage"><b>car insurance coverage</b></a> that includes: <br />
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<ul type="button"><li> A 100% Repair guarantee<sup>**</sup> for as long as you own your car </li>
<li> 24/7 Nationwide Blue Ribbon<sup>SM</sup> Claim Services </li>
<li> Free <i>On Your Side</i><sup>®</sup> Reviews to help you choose the discounts and <i>coverage options</i> that are right for your life </li>
</ul><h2>Three good reasons to choose Nationwide auto insurance coverage<br />
</h2><h2><img alt="1" border="0" src="http://images.nationwide.com/insurance/insauto-1.gif" /> Better claims service </h2>Nine out of ten Nationwide customers who filed an <a alt="auto insurance" href="http://yees-insurance.blogspot.com/2011/03/auto-insurance.html" title="auto insurance"><i>auto insurance</i></a> claim would recommend us to a friend or family member. Why? Because we give customers a better claims experience. <br />
Find out more about <a href="http://www.nationwide.com/auto-blue-ribbon-claim-services.jsp" rel="nofollow" target="blank">Nationwide Blue Ribbon Claim Services</a>. <br />
<h2><img alt="2" border="0" src="http://images.nationwide.com/insurance/insauto-2.gif" /> Auto insurance discounts </h2>There are lots of ways to save on your <b>car insurance coverage</b> with Nationwide. Save when you insure more than one vehicle, when you stay accident-free, and when you insure both your car and home. <br />
Learn more about <a href="http://www.nationwide.com/car-insurance-discounts.jsp" rel="nofollow" target="blank">auto insurance discounts</a>. <br />
<h2><img alt="3" border="0" src="http://images.nationwide.com/insurance/insauto-3.gif" /> Nationwide <i>On Your Side</i> Review </h2>Make sure your car insurance coverage keeps up with your life with a Nationwide <i>On Your Side</i> Review. A Nationwide insurance agent can help you look at the big picture. So you can get the auto insurance coverage that fits your needs, goals and budget. <br />
Learn more about <a href="http://www.nationwide.com/car-insurance-review.jsp" rel="nofollow" target="blank">Nationwide On Your Side Review</a>.<br />
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<sup><span class="disclaimer">* $523 average annual savings based on Nationwide policyholder data through July 2007.</span></sup> <br />
<sup><span class="disclaimer">** Written guarantee is available to those persons opting to use a Nationwide Blue Ribbon certified repair shop.</span></sup> <br />
<sup><span class="disclaimer">Nationwide, the Nationwide framemark, On Your Side, and Nationwide Blue Ribbon are service marks of Nationwide Mutual Insurance Company.</span></sup> </div>Unknownnoreply@blogger.com2