When speaking about liability, many seem to forget the initial meaning of the word, which would let them understand better anything that has to do with “liability” in this country. “Liability” means that “there’s a possibility” if used in broader terms. In legal glossary, liability tends to be associated with words “owing” and “responsibility” meaning [...]
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Having an accident with a driver who has no auto insurance coverage can place you and your insurance company in an unpleasant situation. However, having uninsured/underinsured motorist coverage allows you to rest assured that you’ll receive coverage no matter what. While having an accident with such a driver may sound quite unlikely, since all states [...]
There are certain institutions in the country that can rate companies. Some of them deal with insurance companies only as there are too many to take into consideration. But we have some questions that we want to discuss now. How do coverage, rates and services differ and what makes this or that company better than [...]
The easiest thing to say in the world right now is that some US states are suffering more than others in the recession. The national media rightly focus on the headline figures showing the total numbers of unemployed, the foreclosure rate, and so on. This can be somewhat deceiving because it hides the fact that [...]
Washington likes acronyms when it comes to lawmaking and this new law is no exception. This is the Genetic Information Nondiscrimination Act (GINA) and this November sees it finally come into force. Because it affects both employers and the insurance industry, this has been a hard-fought change and was only signed into law last year. [...]
Some of you have probably heard of universal policies used for insuring life. What are they all about and what benefits do universal policies bring to their holders? Well, simply put, universal insurance polices are insurance products that provide coverage for a person’s entire life. Universal insurance policies are a form of whole life products [...]
Being self-employed has its pros and cons, and health insurance is one of the aspects, which makes potential freelancers think a lot about switching to this form of working. Some state that it’s hard to find appropriate health insurance if you are self employed, advocating against freelance jobs. But as with any other form of [...]
Is it true that red car owners have more speeding tickets than people whose cars are colored differently? Does your insurance company set rates according to the color of your car’s body? Have colors have anything to do with the likelihood of car accident occurrence? These are questions you have asked yourself at least once. [...]
You may think that joining an auto club (like AAA) will give you only roadside service assistance and some discounts when booking a hotel, but there’s just a lot more to it than that. Even non-drivers should think about becoming a member of an auto club. There are just too many advantages of joining such [...]
Many people have heard of mortgage protection through insurance policies but it may sound quite complicated to some. To answer the question right away: mortgage protection through insuring ones life is a form of personal insurance that pays off mortgage loans for people who were unable to pay it off in full due to death, [...]
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