Its about economy of scale. When you sign up for healthcare coverage, you join a group of other people to combine your healthcare purchasing power. Your insurer covers the whole group, rather than individuals, so everyone shares the cost of staying healthy.-Stay Smart Stay Healthy See more vidoes at: www.youtube.com

Popularity: 3% [?]

Some guidelines for auto insurance claims
When it comes to insurance, what you don't do can be just as important as what you do. Wrong moves when filing a claim, or saying the wrong thing, can cost you.

Read more on Denver Post

Popularity: 12% [?]

D.A. Points, Ryuji Imada tied for Farmers Insurance Open lead at Torrey Pines
D.A. Points saved his best golf for the toughest track and shot a 7-under 65 on the South Course at Torrey Pines, giving him a share of the lead with Ryuji Imada in the Farmers Insurance Open.

Read more on ESPN

Popularity: 2% [?]

When buying insurance – auto insurance, health insurance, home insurance, life insurance or renters insurance – choosing your insurance provider is a big part of the decision process. When you compare insurance quotes it's easy to see the different prices offered by different insurance providers, but cost alone may not go into your insurance purchase decision. Your insurance provider should help you get the best possible coverage at the best possible price.

Your insurance provider must be licensed to sell insurance in your state so make use of your state's insurance department. This department can provide you with recommendations for insurance providers and it keeps a file on insurance providers with complaints and recommendations. Check into any complaints to find out why some customers had problems with different insurance providers. Also don't be afraid to use your social network and friends for recommendations on insurance providers.

It should go without stating, but on the subject of insurance licensing make sure your insurance provider is licensed to sell insurance in your state and absolutely avoid any unlicensed insurance providers.

It's also worthwhile to look beyond the lowest price when choosing an insurance provider and take experience into account. Insurance agents are paid the same commission percentage regardless of their experience level. Often a more experienced insurance provider can help you maximize your coverage while saving you the most money over the long term.

A regular review of your insurance policy is a service you should expect from your insurance provider. Before buying insurance, ask the potential providers how often they will look over your policy with you. These reviews ensure your insurance policy is not outdated in any way and that you have the coverage you want.

A final consideration when choosing an insurance provider is they are your support and assistance when accidents, catastrophe or disaster strikes. You want an insurance provider who will fight for your side to resolve any claim you have to make on your insurance.

Popularity: 3% [?]

The economy is in a tough place right now, many people have lost their jobs and everyone is looking for places to either save money, or make outright cuts in the household budget. One place to avoid scrimping and saving is with your insurance. To a lot of people, insurance feels like an expenditure that goes out with nothing coming in.

It's important to remember a major aspect of all types of insurance – auto insurance, health insurance, home insurance, life insurance and renters insurance – is protection against a catastrophe or disaster. A major car accident, a burglary of your residence, a fire that destroys your home, all these things are rare and you hope to never face them, but if the unexpected happens and you are insured, the force of the disaster is not nearly as bad and you are quickly back on the track of putting your life in order again.

Probably the most important insurance to consider when economic times become difficult is health insurance. If you get your health insurance through your employer you might find your benefits being cut, or your out-of-paycheck health insurance expenses rise, or if you were to lose your job you may lose your health insurance altogether. If you become unemployed be sure to look into COBRA benefits available to you, and begin looking for personal health insurance for you and your family.

Keeping your health insurance is important for a number of reasons; the most obvious is in case of a medical emergency. Without health insurance a visit to a doctor to check out a severely sick child can be very expensive. And if you or a member of your family faces a hospital visit, or emergency surgery, the costs can be staggering.

Another consequence of not having health insurance is you and your family will likely skip routine check-ups and other medical visits. The long-term health care costs for missing annual medical examinations can add up if a condition that might be caught and easily treated goes undetected for a time.

Health insurance is only one area where you simply don't want to go uninsured. Theft of your belongings is a terrible violation and made that much worse if you do not have home insurance or renters insurance to replace the items. And if you don't have auto insurance you face fines and possible towing, not to mention you will be personally sued if you cause an accident with damages or injuries.

The economy is struggling right now and everyone is struggling along with it, but remember – you can't afford to not have insurance.

Popularity: 1% [?]

I live in GA. We just got an insurance and told them about this condition. It's very small surgery for my daughter. but now they are denying it. Is there any other insurance I can take? or if I get insurance through work would that help?

Popularity: 9% [?]

I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price. Thank you in advance.

Popularity: unranked [?]

Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits.
Isn't it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory?
Or is that the republican plan for reform?

Popularity: unranked [?]

My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?

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1: What is the type of insurance that covers bodily injury and property damage to others?
liability
uninsured motorist
comprehensive
collision

2: What is the type of insurance that covers you when you are injured by a hit and run driver?
liability
uninsured motorist
comprehensive
collision

3: Insurance is based on the concept of ________ and __________
profit and loss
risk and loss
risk and return
profit and cars

4: Which type of insurance is usually required if you finance your car purchase?
Medical Payment Insurance
Towing Insurance
Rental Insurance
Collision and Comprehensive Insurance

5: Which of the following is not a way that a teenager can save money on insurance?
Getting on his or her parents' policy
Getting good grades
Driving penalties
Driver experience

6: Accidents that must be reported are ?
those that caused minor damage or harm
those that have been fatal
all accidents.

Popularity: unranked [?]