One step to save money and get discount homeowner's insurance
in Tennessee is to take home inventory. You may be wondering,
"How will documenting all of my possessions help me get
affordable homeowner coverage?" The answer is simple. If you
don't have your belongings recorded, you run the risk of
purchasing too little homeowner insurance. Of course, you won't
notice the problem until disaster strikes (your home is robbed,
a tornado demolishes your house) and you need compensation for
your lost items. Without home inventory, how will you prove you
owned that entire state-of-the-
less receive coverage for it?
You won't, which means you'll have to pay for replacements or
repairs out of your own pocket. This sort of takes the
affordability out of affordable homeowner coverage. Help
yourself get a cheap homeowner insurance policy in Tennessee by
taking thorough and accurate home inventory.
Take these tips into consideration before you begin your search
to save money and get discount homeowner's insurance in
Tennessee.
• Make a list of all things in your home that you'll need
covered by homeowner's insurance.
• On this list, make sure to include the serial numbers of all
electronics.
• Video and photograph each room in your home, and pay close
attention to pricier items.
• Gather up all your receipts, especially those for your
expensive possessions. If you don't have them, now's a good time
to start saving them.
As you're shopping for a cheap homeowner insurance policy in
Tennessee, always talk with each insurance agent about further
tips for documenting your home's contents. Different home
insurers may have different requirements regarding home
inventory. It's best to make sure you know exactly what's
expected of you before you get started. Too, the homeowner
insurance company you choose will have a method of keeping this
information on record; however, you may want to keep copies for
yourself somewhere outside your home.
About The Author: Recommended sites for low rate insurance
http://www.ezquoteg
Quotes in Tennessee http://www.myquoteg
Home Insurance Quotes Online
Please use the HTML version of this article at:
http://www.isnare.
Monday, July 30, 2007
How To Save Money And Get Discount Homeowner's Insurance In Tennessee
Friday, July 27, 2007
Essentials To Consider When Looking For Holiday Property Insurance
If you have bought a holiday property or are considering doing
so then you will have to give some serious thought to the
holiday property insurance that you are going to need. Whether
you have bought the holiday home for just yourself or whether
you intend to let it in order to make an income, then there are
certain things that you need to be covered for.
When looking for your mortgage and holiday property insurance
then it is vital that you seek good advice. Going about it the
wrong way could end up costing you hundreds of pounds - if not
thousands - by not being properly insured and if the worst
should happen. By far the easiest way to go is to choose a
specialist broker in holiday properties. By doing so you can be
assured that you will get the best and cheapest deal available
to you simply because a broker knows where to look.
Along with the normal coverage that you would expect to take
out when it comes to holiday property insurance it does get a
little more complicated and this is another reason why you need
expert advice. If you are thinking of renting out the holiday
home then of course you will have some additional cover to think
about such as liability. But as a general rule the types of
cover you should be thinking of including in your insurance
should cover for every eventuality.
When it comes to holiday property insurance you should cover
the basics such as fire, flood, earthquake, lightning and storm
damage. Of course the particular cover needed will depend on
whether the holiday property is at home or abroad. Theft
insurance will also have to be taken into consideration and this
doesn't only apply to break ins and burglars but also to cover
theft by guests if you are letting the property.
If renting out the property then consideration should also be
given as to taking out insurance against the possibility of
losing rent from the property and also if the property should be
unoccupied for any length of time. There is a lot more of course
to holiday property insurance, these are just the very basics.
It is essential that you fully understand what is in the policy
as with all policies there are many hidden exclusions and again
this is one very good reason that you should go to a broker to
get the best deal. A broker can not only give you excellent
advice and find the cheapest deals but also can give you advice
on the type of cover that is suitable for your needs.
About The Author: Sean Horton is a Director of Holiday Let
Mortgages (http://www.holidayl
residents the finance to buy a UK based holiday home. The site
offers a Free Guide to download for Holiday Home Mortgages and
the process for buying a UK Holiday Home
Please use the HTML version of this article at:
http://www.isnare.
Tuesday, July 24, 2007
What everybody should know about car insurance
Car insurance is a necessary pain, a chore that we must all
endure before we get our sparkling new set of wheels out on
the open road. Of course, having shelled out on your new
car you want to feel like your paying as little as possible
on something as boringly practical as insurance. This is
kinda frustrating because it means we feel obliged to spend
a bit of time shopping around rather than settling on the
first deal we stumble upon. Still, buying insurance was
never gonna be a particularly thrilling process and
hopefully with the following few tips we can help make the
whole thing as quick and painless as possible.
. Firstly you'll need to consider what type of cover you
want to opt for. Basic third party insurance will cover the
cost of damage to another driver's vehicle and is the
minimum legal requirement. This is the cheap option but
offers little cover in the event of any damage done to you
or your car although you can add fire and theft cover that
will pay out if your vehicle is stolen or set on fire.
. Unless you're on a particularly tight budget it's
probably advisable to look beyond third party and plump for
fully comprehensive car insurance. This offers the extra
assurance of covering any damage to your own car in the
event of an accident caused by yourself. Shop around and
you'll find that you can get add-on benefits like the use
of a replacement car whilst yours is being repaired.
. If you plan on using your vehicle for occasional business
related travel make sure you check whether you're covered
for accidents that happen outside your social, domestic
routine unless explicitly mentioned in your agreement you
probably won't be. In this event additional cover is
advisable.
. If you're a young driver insurance premiums are almost
certainly going to be higher than for a more established,
experienced driver. A good way to reduce costs is to get
some extra qualifications beyond the standard driving test,
like motorway or night driving.
. Keep premiums down by limiting your policy to named
drivers only and paying a voluntary excess.
. It might be an equally worthwhile money saving tactic to
improve the security on your car. Check with your insurer
but often the installation of car alarms, immobilisers and
parking your vehicle in a garage overnight can help.
. Look out for the inclusion of a protected no-claims
discount. It will cost you a little more but protects any
accumulated no-claims discount that may otherwise be
reduced in the event of a claim. No-claims discounts can
mean hefty savings of up to 65%.
. Save time and money by going through a broker or a
company who uses the services of numerous insurers, this
will make sure your cover is the most suitable and
hopefully cheapest selected from a larger pool of deals.
. Do make sure you keep you insurer notified of any changes
of circumstance and indeed anything that may affect you
cover, any failure to disclose relevant information might
invalidate a claim.
----------------------------------------------------
Quote, apply and buy online - It's so easy with ASDA
Financial Services Car Insurance. Visit
http://www.asdafinance.com/car-insurance.html
Wednesday, July 18, 2007
Reducing Your Car Insurance Premiums
When it comes to reducing your car insurance premiums you can
do a lot to help yourself. However one of the biggest ways in
which you can make savings is by choosing to look around for
your car insurance. Not only should you shop around, but the
best place to look for your car insurance is by doing so online.
Reducing your car insurance premiums isn't really all that hard
just type in the words "car insurance" on any popular search
engine and it will give you a huge range to choose from. Of
course while this is the best place to look when it comes to
purchasing your car insurance, there are some factors that you
should have given some thought to beforehand.
To begin with when it comes to reducing your car insurance some
thought should be given as to the type of car that you should
get. The smaller the car, the less your car insurance will cost
you, if you choose a car with a bigger engine then your premiums
will be a lot higher. Another factor to take into consideration
when it comes to choosing your car is to avoid buying one which
is imported, this is usually because the cost to repair them is
more expensive.
The more security features that you install on your car, then
the safer it is classed, and as such this can help to bring down
your premiums. Many insurers will have listings giving you
information on the brands and types of security features that
they class as being better than others, simply by installing
these you can reduce your car insurance premiums.
One of the biggest ways you can make savings is by having a
clean driving record; if you have points on your record then
this will boost up the amount that you are quoted for your
premium, however when applying for your insurance online it is
essential that you be totally honest if you do have points.
Always make sure that you don't include people on your
insurance that aren't going to be driving your car on a regular
basis, the more people that you have on your insurance then the
higher the premium will be, so if you have family members listed
then consider removing them to save on your premium.
Other ways in which you can reduce your car insurance premium
is to take advanced driving lessons to boost your safety record
and if you are a young driver, an older driver or a woman driver
then check out the many specialist sites which cater
specifically for age and gender.
About The Author: Louis Rix is a Director of NetCars
(http://www.netcars.
websites. First established in January 2000, its mission is to
become the UK's number one site for used car searches and
motoring information. NetCars also provide car finance, loans
and insurance.
Please use the HTML version of this article at:
http://www.isnare.
Monday, July 16, 2007
How To Find The Best Car Insurance Quote
There are many ways that you can make some great savings when
it comes to getting your car insurance. Without a doubt the
best way to save yourself money is to shop online, not only can
this knock pounds off the premium you pay for your car insurance
but it is also the quickest way and by far the easiest.
>From the comfort of you own home you have access to a wide
range of insurers and are able to get almost instant quotes for
the type of insurance you require, along with making comparisons
for the cheapest premium.
While shopping online is the best way to make savings there are
also many other factors which you should take into account when
looking for car insurance.
If you are thinking of buying a new car then bear in mind that
the size of the engine and the model of the car plays a part in
determining how much you are quoted for your insurance. The
bigger the engine, the more powerful the car, then the higher
the premium you are asked to pay. While a flashy low sports car
might suit your image it will do nothing to help you make
savings when getting it insured for the road.
Your age and sex also plays a part in determining the cost of
your car insurance, younger drivers get hit heavily with
insurance as they are deemed to be a bigger risk. However there
are specialist sites that offer the younger driver cheaper
premiums, particularly if they have taken advanced driving
lessons.
There are now many sites online that cater especially for the
women driver. Statistics have shown that women drivers are
indeed safer than men. Women get into fewer accidents, or at
the least seem to make fewer claims on their insurance and go
for the less flashy model of car.
Making sure you have extra safety features on your car can also
go a long way to saving you money on your premiums. Adding extra
security such as immobilisers, alarms and having your windows
etched with your registration can all help you to make savings
on your car insurance.
One of the biggest ways to make savings when it comes to your
car insurance is to have a clean driving record with an
excellent no-claims bonus. However this only comes from years
of experience on the road, you can boost this by taking
advanced driving lessons and safety lessons in driving.
One thing to remember is to make sure you understand your
policy and what is and is not covered in it. If you go for the
cheapest third party, fire and theft cover then you will make
savings but will only be insured for the very basics. Fully
comprehensive will cover you for just about anything and will
cost you more, however you can still save yourself money by
getting quotes online from several different insurers.
About The Author: Jason Hulott is Business Development Director
of Protection Insurance (http://www.protecti
an internet based insurance business dedicated to getting
consumers the best rates and the best products.
Please use the HTML version of this article at:
http://www.isnare.
Saturday, July 14, 2007
Don't Forget Your Garden When It Comes To Home Insurance
While the majority of people do realise the importance of
having contents insurance to safeguard their possessions from
theft and other disasters, very often the contents of the
garden are sometimes forgotten and, if you have expensive patio
furniture or such like, then this could be a huge mistake.
In a recent study it was found that here in the UK we spend
millions on garden furniture, plants and equipment to enjoy
what little summer we have. With theft of garden and patio
furniture on the increase it is essential that you make sure if
you are covered for these in your home insurance policy.
Another fact that came to light was the fact that while people
protected their homes with security features very few people
gave much thought about enhancing the security in the garden or
patio. This has left them wide open to the rising figures of
garden and patio thefts which are thought to be around the 1.4
million mark.
However there are many simple ways that you can help to protect
your home and garden. One way is to make sure that you get into
the habit of enuirng that you put all expensive garden
equipment in a locked shed. One of the best precautions that
you can take when it comes to securing your garden is to make
sure there is plenty of good protection to stop thieves even
getting close; a simple sturdy fence is all that is needed to
keep prying eyes out.
However, even with the best of intentions and added security,y
thieves can still strike and invariably do, so it is essential
that you make sure that your current policy covers the extras
such as furniture, garden equipment and even such things as
bicycles if they are stored outside.
Very often such things will need to have a separate policy in
order to cover them; while some policies will have this clearly
outlined, more often than not it is in the small print.
When shopping for insurance for your home, the quickest and
easiest way to do so is to use a specialist broker, not only
can you find excellent advice but you can also get the cheapest
premiums. If the cover of the policy doesn't extend to cover
your garden equipment then some companies will give you huge
savings if you take extra cover at the same time as your home
contents insurance.
About The Author: David Thomson is Chief Executive of
BestDealInsurance (http://www.bestdeal
independent specialist broker dedicated to providing their
clients with the best deal on their home, motor and life
insurance.
Please use the HTML version of this article at:
http://www.isnare.
Thursday, July 12, 2007
Does Your Insurance Cover Flooding?
Considering the climate is ever changing and the majority of
the UK has in recent weeks (June 2007) been suffering from
unusual weather and in particular rain and storms, it is now
more essential and more important than ever that you know
whether or not you are covered by your policy for events such
as flooding.
Just recently many people have found that they didn't have the
valuable cover needed, while others were lucky and did, when
torrential rains hit the UK and homes were flooded and
possessions ruined. This one occurrence is thought to bring
around 1,200 claims on insurance for the ones that were lucky
enough to have cover.
However a sad fact is that while many people do have insurance
for their homes and believe that they are totally covered, a
staggering 257,000 of all claims against policies are turned
down every year simply because the home owner hasn't taken out
the right policy or they didn't bother to look at what the
policy did and did not cover and have found that they aren't
covered when it comes to making a claim.
One of the biggest reasons why adequate cover isn't taken is
due to the fact that the majority of people simply take the
cheapest policy they find while not looking at what the policy
entails. While of course everyone wants the cheapest premium,
it is also essential that you have the right amount of cover
for your needs, while savings are essential on your premium in
the long run cheapest isn't always the best.
When considering your home insurance the number one thing to
make sure of is that you have all the cover you need. Using a
specialist broker for your home insurance is the easiest way of
keeping the cost down and you are able to quickly and easily
make comparisons for the same coverage from the information
provided by them.
Always remember when comparing policies that they all have
hidden exclusions within them and it is essential that you
check these out, while one policy might offer the cheapest
premiums, it might not include the same cover that a more
expensive policy might and as such will cost you more in the
long run if you have to pay out for added extras.
About The Author: David Thomson is Chief Executive of
BestDealInsurance (http://www.bestdeal
independent specialist broker dedicated to providing their
clients with the best deal on their home, motor and life
insurance.
Please use the HTML version of this article at:
http://www.isnare.
Monday, July 9, 2007
How To Find The Best Rates On Car Insurance In Washington
In Washington State, as in most localities, you have to have
car insurance. This means that you'll need to shop around to
find the best rate for your particular situation. That is
unless you happen to own twenty-six vehicles. In Washington,
this unusual situation would mean that you'd be able to
self-insure. Since the majority of us don't fall into this
category, we need to go the old fashioned route and seek out
quotes from different insurance companies.
Everyone wants to find the best rates possible, so knowing how
to obtain them is important. There are a few methods that may
help you to get a lower rate including:
•Put all the vehicles driven in the house on one policy. It
doesn't matter if you are living with three roommates, your
spouse or you have several children who live at home that
drive. Insuring multiple vehicles on one policy can give
everyone a break in insurance premiums.
•Carpooling. The way that this helps to get you a better rate
is that you'll ensure the mileage on your car stays low. Many
companies offer a discount to drivers who routinely drive only
a few miles a month.
•Pay with a check once a year. Many people have no idea that if
they have their car insurance premiums deducted from their
checking or savings account each month, they are paying a fee
on top of the premium. Save that money and instead spend a few
cents on a stamp every twelve months.
The best possible way to find the lowest rate on your car
insurance is to ask an agent about any discounts. Although they
do make money by selling you the most expensive policy possible,
they aren't going to want to lose your business. Many insurance
companies offer incentives that are tied into local
organizations and credit card companies. Unless you ask, you'll
never know if you are already eligible for a discount on your
insurance.
About The Author: Recommended sites for low rate insurance
http://www.ezquoteg
in Washington http://www.myquoteg
and Home Quotes Here
Please use the HTML version of this article at:
http://www.isnare.
Friday, July 6, 2007
The top 10 tricks to cut your home insurance premiums
"A penny saved is penny earned", so the proverb goes, and
every penny counts. This article aims to help you to save a
few pennies on your home insurance premiums.
1. Research the area you're moving into
If you're moving home it pays to do some research into the
area you're moving into. Premiums can fluctuate
dramatically within a very small distance - the size of the
premium can also indicate how safe the area is.
2. What cover do you need?
It's a basic tip but how much cover do you really need?
Some insurance companies will heap on extra benefits as
part of your policy and try to sell you upgraded services.
Look carefully at what you really need and find a policy
that matches your needs exactly, rather than paying for
anything extraneous.
3. Shop around
It's easier than ever to buy insurance policies - the
Internet has hundreds of information sites like Motley Fool
where you can research the different policies that are
available, or visit a comparison site where you can search
for the product that suits you. Many of the major
supermarkets offer home insurance packages, such as ASDA
Finance.
4. Buy online
Many insurance providers give a discount (usually around
5%) for buying online.
5. Home security
When you move in change the locks. Most insurers recommend
five level mortise locks on external doors and two bolt
locks on the windows, while an approved security system
could save you over 5%. Other tips include time-switch
lights and security lighting - let your insurance provider
know what you are doing and ask them to lower your premiums
accordingly.
6. Join Neighbourhood Watch
It's a straightforward tip but in many areas joining an
approved Neighbourhood Watch scheme has been shown to
reduce premiums by up to 5%.
7. Fire
As with security, taking measures to reduce fire risk
including smoke alarms and a fire alarm system can reduce
premiums significantly. In addition, making sure open fires
are protected and any heat source is given adequate
ventilation and is not near anything combustible. Once
again, inform your provider of the measures you are taking.
8. Don't smoke
Increasingly insurance providers are asking their customers
whether they smoke or not - smoking obviously presents a
greater risk of fire from discarded cigarettes and
unattended ashtrays.
9. Increasing your voluntary excess
The bottom line is that the higher the excess you choose on
your policy the lower the premium. By choosing to take a
higher voluntary excess you could save up to 20% on your
insurance premium.
10. Only claim when you really need to
By only claiming when you really need to you will protect
your no claims bonus and keep your premiums lower.
Finally, there's one extra tip that most insurance
companies won't want you to have - that is, haggling. There
are dozens of insurance providers out there vying for your
custom. By shopping around and then haggling you can often
get a better deal.
----------------------------------------------------
Take out ASDA Home Insurance at
http://www.asdafinance.com/home-insurance.html and you
could pay less for your cover and save money on your
electricity bill. They are giving away one energy saving
lightbulb could save you £9 each year.
Thursday, July 5, 2007
Why some home insurance policies could leave you high and dry
But beware - it's essential to check what's covered by your
policy to make sure that you aren't left significantly out
of pocket if something goes wrong.
For example, 1 in 3 get burgled and yet estimates show that
over 20% of all household goods are not covered by your
home insurance; equally accidents such as flood damage are
increasingly common - the question is, are your home and
possessions covered?
Building insurance:
What does your policy cover?
A standard policy should cover: flood and storm damage;
fire, smoke and explosions; subsidence and third party
damage.
Does your policy cover the market value of your property or
full rebuilding costs?
The market value of your home could be considerably lower
than the rebuilding costs - especially in the case of
listed buildings. English Heritage require that if more
than 40% of the historic structure of a property has
survived you need to restore the whole property - given the
building restrictions on listed buildings, that could be
very expensive.
Are accommodation costs included if your home is
uninhabitable?
If the worst happens and your home is uninhabitable, do you
really want to have the additional stress of paying for
rented accommodation?
Home contents
If you are a tenant does your landlord have contents
insurance?
While landlords are required to have building insurance,
they may not have contents insurance or it may be limited -
if you are a tenant you may require your own policy.
What is the replacement policy?
The most basic level of cover is indemnity insurance, which
replaces like for like - if your TV is 3 years old you can
claim for the value of a 3-year old TV. Some insurance
policies replace new for old, so regardless of the age you
will get a new item.
Does your policy cover items that you take away from your
home?
Some policies cover any items that you take away from home
such as watches, jewellery - think about how much the
contents of your handbag, or your car etc are worth,
particularly if you use a laptop.
Is your garden covered?
Many people have a great deal of money invested in their
gardens from expensive plants and features to gardening
equipment stored in the shed - make sure your policy covers
this area.
Make sure you insure for the right value
One of the major mistakes people make with their home
insurance policy is to underinsure - write a checklist of
every item in your home to ensure you have insured for the
right amount. You also need to ensure high value items are
covered - most policies set a maximum value on individual
items.
Finally, keep up to date - the value of your possessions
could have increased dramatically in even a short period of
time - make sure your policy reflects new items you buy.
What security measures do you have in place?
A common reason for claims not being paid is that
policyholders failed to implement security measures
required by the policy - make sure you comply with the
terms of the policy.
One final piece of advice is: NEVER ASSUME THAT ITEMS ARE
COVERED - if you are unsure, always check your policy.
----------------------------------------------------
ASDA Finance home insurance is so good, they won the award
for Best Overall Home and Contents Insurance Provider by
'Your Money' magazine. Visit
http://www.asdafinance.com/home-insurance.html for more
details
Wednesday, July 4, 2007
Dental Insurance For Individuals - There's Plenty of Choice Out There
It's a fact. There are plenty of providers of dental insurance for individuals in a very competitive market. The truth is that you have lots of ways to ensure that you get the best deal. And it's a deal you cannot afford to ignore
Typically, if you choose for yourself, you will not be tied to a particular brand of dental clinics and you are more able to find somewhere that suits you, often locally, when the plan is one you tailor to meet you own needs.
This might be a critical factor for those who have a dentist they already trust and perhaps even have a long term relationship with too. This is really important for some people who are pretty fussy about who it is fiddling around in their mouth from time to time.
It's not a particularly well known fact, but a lot of people are very choosy when it comes to a dentist. There are even stories of patients who travel long distances after having moved home, just to stick with a dentist they know and have found reliable and are comfortable with.
On the other hand, if you aren't quite as fussy, or maybe even have lower demands on dental services, perhaps because you have excellent teeth already (never miss your checkups though!), you may be able to negotiate excellent discounts if you can go with a provider of dental insurance for individuals who has a good account with a big practice.
Dental insurance for individuals typically limits the amount that can be paid out over a period of time (usually each year), so for those who know they have a lot of work coming up (maybe only to themselves!) a good contract of insurance could be a very attractive financial proposition even just for a short period of time, especially if they can get a deal that has higher limits per year.
It's worth taking your time when looking for dental insurance for individuals, especially where you are buying for a whole family. This can generate significant savings in itself, because of the number of people involved.
Where you have one member of the family who could have more problematic dental issues, these can be offset by an overall plan which includes others with less problems. The provider will be keen to get the bigger business and may be prepared to offset some short-term losses with the promise of a longer-term deal that will enable them to get their money back!
It's also important to consider such dental insurance for individuals when you have a family because of the challenges facing kids growing up. You see, some plans have built-in deals for more serious orthodontic work too. Or maybe there is a requirements for older people who are going to need root canal, bridge or denture work too.
All can be worked into a good plan that benefits all. By taking your time, assessing the range of dental insurance for individuals, groups and families, you will ensure you have peace of mind, safe in the knowledge that your family is well covered.
(c) 2007 Dental Insurance Guidance. If you want to find the right cover for your dental treatment, there are lots of great value options. You can find out how, right here, on Martin Haworth's fascinating website at http://www.DentalInsuranceGuidance.com
Tuesday, July 3, 2007
Term Life Insurance For Hazardous Occupations
Those who choose to really live life on the edge need to make
sure they have adequate life insurance coverage as the risk for
losing their lives goes up dramatically. One of the biggest
aspects that underwriter'
coverage is an individual's career choice and their overall
choice of regular hobbies. If an applicant is of greater risk
to a carrier, premiums are higher and possibly issued for a
certain number of years. An applicant could be subject to
review upon renewal. The bottom line is that applicant's who
risk their lives regularly will pay a higher premium than the
average person as rates are tailored according the average
person.
Term Life Insurance for those with Hazardous Occupations
For some people, regular participation in hazardous activities
is not a matter of hobby but is their livelihood. Many people
count extreme activities as their primary source of income,
such as pilots, aviation or scuba diving instructors or
mountain climbing guides. Top professional surfers, race car
drivers and motocross riders depend on their thrilling
professions to make a living. Unfortunately, all these people
can expect higher life insurance premiums.
These professions, however, do not necessarily mean
unreasonable term life insurance rates. You can still get
affordable coverage if you obtain necessary licenses and take
all the classes you can to make you experienced and prove that
you are safe. For example, commercial airline pilots are not
subject to extra fees. It is best to inquire about a carrier's
necessary requirements so that you can meet them before
applying for coverage. To obtain an online term life insurance
quote visit
http://www.equote.
Participants of Extreme Sports
Many thrill seekers like to engage in extreme sports. Some
common extreme sports include, skiing, snowboarding,
skateboarding, dirt biking, hang gliding, mountain climbing and
scuba diving. Other more extreme sports are bungee jumping,
parachuting, and hang gliding.
Insurance companies are not "all or nothing" in their
regulations. For example, most people do not regularly
participate in the more novel extreme activities like bungee
jumping and parachuting. Those activities are generally
reserved for milestone events such as birthdays or
anniversaries. In other words, premiums are not going to be
affected by trying something once.
To be fair, most life insurance companies will charge a flat
"extra" on your premium to cover the risks incurred for
regularly participating in extreme sports and activities. This
flat extra will usually double the average rate. As you get
older, however, your rates could nearly triple – as age is
always a factor in underwriting policies anyway. As you age,
most people start slowing down in any regular extreme sport
participation. In that case, immediately contact your provider
and your rate will drop effective immediately.
Another possibility of obtaining cheaper term life insurance is
if you asked to be covered for everything except the extreme
sport in which you regularly participate. For example, if you
regularly scuba dive, you would be covered for any death
occurrence except in the case that you die while scuba diving.
It seems extremely fair to be covered and paid for everything
except the excluded activity you list. For more helpful
information on term life insurance go to
http://www.equote.
The best way to find the best possible coverage if you
regularly participate in extreme sports or activities is to
shop around for insurance. Premiums that cover adrenaline
junkies can vary significantly between carriers. If you are
involved in a relatively new high-risk sport, many companies
may not have developed their rate policies for that specific
activity. On the other hand, other carriers may be charging way
too much since they are one of the few to cover it.
If you love extreme sports or your profession involves putting
your life at risk more frequently than most, be sure you shop
around and compare rates before buying a life insurance policy.
Educate yourself as much as possible about your sport or
activity. For instance, if there are licenses you can get, it
is wise to obtain them. Take any class you can that will make
you more experienced in that activity.
About The Author: Sharon Taylor is a professional writer for
http://www.equote.
excellent online resource providing online quotes for
http://www.equote.
term life insurance to families in 42 states.
Please use the HTML version of this article at:
http://www.isnare.
Monday, July 2, 2007
The Basic Steps For Filing A Car Insurance Claim
Being involved in a car accident is never planned. However,
what you do or don't do immediately after the accident can
directly impact your cost of car insurance as well as your
state of mind.
The very first thing that you should do when you are
involved in a car accident is exchange driver information.
That is assuming you are not seriously injured. If you are
seriously injured, make sure that the following information
is collected by someone at the scene of the accident.
Get the other driver's name, address, telephone number,
driver's license number, insurance carrier, policy number,
insurance carriers telephone number, and the license plate
number of the vehicle or vehicles involved in the accident.
If there are any witnesses to the accident, identify them
by getting their name, address, and telephone numbers. They
may be needed to substantiate how the accident occurred.
Contact local law enforcement and report the accident. If
you can not reach them, you can go to your local police
department, sheriff's office, or Department Of Motor
Vehicles and obtain the necessary form to complete and
submit it while there. You also may be able to submit the
report via the Department Of Motor Vehicles website.
In the majority of cases, you should report the accident to
your insurance company. Before calling them, make sure that
you understand your policy.
Sit down and carefully read your car insurance policy. If
there is any part of it that you do not understand, call
your insurance agent or company, have a list of questions
prepared, and get the answers.
If you still are not sure as to what to ask, you may quote
car insurance with another insurance company and while you
are getting your quote, ask them.
Once you have a complete understanding of your policy,
contact your insurance carrier as soon as possible to
report the accident. An insurance adjuster may be sent to
record the damages to your vehicle and take your report and
determine who was at fault in the accident. Be prepared for
this. If necessary have a written description of what
happened including any diagrams that will explain the
accident.
And, if any of the witnesses would be willing to give you a
written deposition, have that available as well.
If the accident was not your fault, you can either contact
the other driver's insurance company or have your insurance
company contact them to handle the repairs to your vehicle,
or if necessary replace your vehicle.
If you use the other driver's insurance company, you will
not have to file a claim on your policy and pay any of your
deductible to have your vehicle repaired.
Do not relieve the responsible insurance company of its
responsibility until all of the damages are settled to your
satisfaction. If necessary have your insurance company
handle your claim if the other party's insurance company
questions who was at fault or offers an unacceptable
settlement.
Be sure to consider all of the settlement factors:
Bodily Injury - You may be entitled to financial
compensation for any injuries caused by the other driver.
It may take several days for your injuries to become
apparent.
Property Damage - The insurance company is responsible for
paying the reasonable cost to repair the other drivers
vehicle or property if you are at fault. If you are not at
fault, the other insurance company is responsible for the
repairs to your vehicle. An insurance adjuster will
determine the damages. In most cases the insurance company
and the repair shop negotiate any disagreements about what
should be repaired. If you don't agree with their
conclusion, you have the right to go to another repair shop.
Being involved in a auto accident is never fun, but do
understand that you have certain basic rights, and if you
are not satisfied with the way your claim is being handled,
you can contact the state Department Of Insurance regarding
your claim.
----------------------------------------------------
Barry Brenner is a licensed auto insurance agent with
extensive experience selling car insurance. You can visit
his popular website at:
http://www.cheapcarinsurancequotetips.com
