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Archive for September, 2008

 

What kind of insurance would a Bicycle Tour Guide need in NYC?

Tuesday, September 30th, 2008
insurance
cycletours asked:


I am in the very early stages of planning a tour guide company that offers themed tours throughout NYC. Any lawyers or insurance people out there? Any idea what kind of insurance I’d need. I’ll have a fleet of 15-20 bikes, everyone wearing helmets and operating mainly in Brooklyn and Manhattan.
Thanks!

Edna

 

How does Progressive compare your insurance rates with top companies?

Monday, September 29th, 2008
insurance companies
DC asked:


How is that possible? I’ve applied for Progressive quotes before (and wasn’t impressed at all), but how are they able to do that?

Insurance companies all have complex formulas that are used to calculate rates using several factors, including driving history, location, credit, household drivers, vehicles, etc.

Unless they have robots online that steal competitors’ bandwidth and automatically fill out the forms, it doesn’t seem possible. If that was the case, you would think other companies would block Progressive from abusing their servers.

Any ideas?

Francisco

 

Van Insurance Quotes - Shop Around for the Best Quote

Monday, September 29th, 2008
insurance quotes
Simon Hemmings asked:


If your looking for the best van insurance for you and your van you will need to spend time searching and comparing the different tyes and levels currently in the market in the UK, but now with the internet, shopping around has become much easier and you are not bound by phyiscal barriers too.

The big insurance companies will have no obligation quotes on their sites and in addition you can compare multiply quotes on one website, with the likes of the AA, Budget and Endsleigh to anme a few. By using these type of sites you can window shop for van insurance quotes from your arm chair and you will cover more of the maket too, but remember to double check the likes of Tesco’s and Churchill’s.

You will only see the importance of shopping around online after you collect the van insurance quotes then you can see you could easily save several hundred pounds per year with a few hours of searching. In saying that not always lowest is best insurance, if the policy poorly covers you and in the case of a claim you are not covered you could lose out.

Full and detailed research into van insurance quotes and comapring cost and fine print you should find value for money and prevent the future fustration when a claim is rejected because you didn’t purchase the proper level of cover for your transport.

Van drivers have been labelled many things and dangerous is one of them, but believe it or not they are one of the safest drivers around, but the premiums remain high due to most claims are not fro accidents but actually thieft. Claims are mostly related to opportunistic thieves who are looking to loot the back of the van in the hope of landing upon some expensive tools or equipment.



Pedro

 

Car insurance companies that offer discounts for defensive driving course in NC?

Monday, September 29th, 2008
insurance companies
Sierra C asked:


I am 23 and have an accident and a ticket from an accident on my license that are kinda new. I think the accident was in July or August 2008. I want to take the course for reduced insurance but some companies that I have asked say that they don’t give reduced rates. Does anyone know of any company, big or small, that offers reduced insurance in North Carolina for someone who is under 25 with recent points added? Does North Carolina even do the defensive driving course?

Connie

 

Insurance Coverage at a Glance

Saturday, September 27th, 2008
insurance
Janani asked:


Insurance

The word “Insurance” refers to the promise of repayment of the money in the case of any loss to the insurer. The insurer may be an individual or a company who have made prepayment to an insurance company for a secured life. Insurance also provides “security against future loss”. We cannot predict the timing and the occurrence of loss. So we need insurance plan in order to protect ourselves from the future loss. An insurance policy provides financial assistance to support medical, personal and social services.

Types of Insurance

Different types of Insurance plans are offered based on your needs. Some of them are

• Life Insurance

• Health Insurance

• Dental Insurance

• Property insurance

• Automobile insurance

Life Insurance

Life insurance policy is sometimes referred as life assurance, provides reimbursement of money to the decedent’s family or other designated. Life insurance gives security for you and your family. The life insurance may be permanent insurance or term insurance. The term insurance is somewhat expensive and complicated. Since the duration of this term insurance is limited to 1 to 10 or 20 years. If something happens to the insurer during this course of time, the death benefit is given to the recipient. If nothing happens at the end of term, they will not be benefited fully. Whereas the permanent life insurance is more secure and gives protection throughout the lifetime. If you cancel the policy then the accumulated cash will be yours and you can make use of it.

Health Insurance

Health insurance is a type of insurance, which covers medical costs of the insured when the insurer becomes sick or injured. Health insurance plans offered in two categories. They are individual and group insurance policy. The individual plans covers health costs for a single person whereas the group health insurance plan covers medical coverage for the entire family.

Dental Insurance

Like health insurance, dental insurance covers dental costs for an individual or group. The costs include normal dental care cost as well as damage to teeth in an accident. Most people in the United States are getting along with their health insurance plans from their employer. Whatever may be the type of policy, it provides you a financial aid for you and your child in future. Dental insurance covers both individual and group. The group dental is more economical and beneficial than the individual.

Automobile insurance

The insurance which legal liability against driver or incase of loss and damage to the vehicle.

Property insurance

Property insurance gives protection against your property. This includes specialized forms of insurance like fire insurance, flood insurance, earthquake insurance, home insurance etc.

Need for Insurance

For secure life, we require insurance plans. Because anything may happen tomorrow, the things are unpredictable. Insurance makes you to prepare for future. The health insurance plans are provided to in order to meet the expense of any health problem.Now a day’s health and dental coverage for an individual/family becomes more expensive. So it is advisable to have a health insurance plan. You can get reasonable price on your individual health and dental plan through an employer.

Whatever may be the insurance plans it provides “protection against future loss”.



Jeanette

 

How does the health insurance work in the UK?

Thursday, September 25th, 2008
health insurance
kokotxa asked:


Is there a government health insurance for every employee in the UK? How much do you pay per year? Is it deducted from your paycheck?
Can you get additional health insurance? Are vision and dental usually included as a benefit from your employer?
I am moving to the UK and would like to know a bit more about what to expect. Thank you!

Martin

 

Here’s a Quick Way to Save on Health Insurance

Wednesday, September 24th, 2008
health insurance
Amelie Mag asked:


One of the most essential things in our life is looking after ourselves and doing our very best in protecting our health. Choosing the proper health insurance is important as it can save significant amounts of money when it comes to medical bills and provide the customer with the medical care he/she needs.

The issue of finding affordable health insurance has been long discussed. There are a lot of people who cannot afford to pay for health insurance and are in desperate search of convenient insurance plans. The Internet is one of the most valuable resources to locate affordable health insurance.

Most people compare health insurance websites and plans before taking a final decision. That is the smart thing to do as it is easier to see available possibilities, types of coverage, certain requirements and qualifications. There are many things to take into consideration when it comes to affordable health insurance and using the Internet can only help in that matter.

It is useful to compare health insurance plans and try to understand the advantages and disadvantages of every plan. The majority of these plans for affordable health insurance include as deciding factors the person’s age, health problems and the need for constant medical care.

Other factors to consider are prescription drugs, preexisting conditions and the person’s lifestyle. All these things are mentioned in every health insurance plan. Still, if you take some time to compare health insurance policies using certain websites you will discover that there are different terms explained and diverse requirements.

Some insurance companies allow only a limited amount of money for certain medications and decide not to compensate for several at all. In case of preexisting conditions, persons with neoplastic diseases or cardiac history are likely to face difficulties in discovering an affordable health insurance policy.

The mistake a lot of people make is caring more for their budget than for the possibilities offered by a carefully devised health insurance plan. They do not understand that being healthy is above all other things in this world and it may sometimes require some sacrifices. People working in the insurance business are trying to raise awareness when it comes to affordable health insurance plans. They offer all kinds of advantages and especially lower rates for healthy people.

It may take some time to compare health insurance policies presented online. The most important thing is to pay attention to every detail and make notes for every policy. Understanding the concept of insurance premium is essential and one must never forget that the cost of health insurance depends mainly on one’s health condition.

Medical expenses can severely affect the budget and it is crucial to choose a suitable health insurance policy. The Internet can provide a wealth of information on this topic and can really one help reach a good conclusion. A comparative analysis of what is out there on the insurance market is cost-effective and requires very little time. Discussing all possibilities with friends or family can also help one in taking a decision for proper health insurance coverage.

We cannot say that having a health insurance plan is the most important thing in the world. But the truth is that everyone should purchase a health insurance policy and benefit from suitable medical care. They include medications, vitamins and other supplements for active healthy people and expensive treatments for people with chronic illnesses. As a golden rule, everyone should respect his/her health above all other matters.



Jessica

 

What typically happens to the insurance industry during a period of economic recession?

Tuesday, September 23rd, 2008
insurance
Jen asked:


Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I’m asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

Lois

 

Florida Health Insurance — Free Florida Health Insurance Quotes

Tuesday, September 23rd, 2008
insurance
Florida Heath Insurance asked:


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Thank you for your trust and confidence Florida.

 

www.EasyToInsureMe.com

 

 

 

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Neil

 

What insurance companies cover include gastric bypass or lap band procedures?

Monday, September 22nd, 2008
insurance
C G asked:


The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?

Roland