Factor that Affects My Insurance Costs

Many factors cause the cost of insurance to rise. Some of these factors are out of the consumer's control, but many are well within the consumer's control to help them maintain their costs of insurance. Being aware of these factors can help you keep the cost of insurance down.DrivingMaintaining a good driving record keeps the cost of insurance down. If you have no moving violations or accidents on your driving record, your cost of insurance will be low. In most states the statute of limitations on moving violations is three years, so if you just got a speeding ticket, expect your insurance rates to go up. Keeping a clean driving record is one of the best ways to keep your cost of insurance low.ageThe younger you are, the higher your insurance is, because the more likely you are to speed or get into an accident. The idea is that the longer you've been driving, the more experienced driver you are, and therefore are less likely to have an accident. Normally once the insured turns 25, insurance rates drop.LocationWhere you live affects how much you are charged for insurance as well. Some states, like California, are notorious for high costs of insurance, while Midwest companies offer low car insurance rates. Additionally, your rates will also rise depending on how much you drive, how far away from home you travel, whether you drive out of state on a regular basis, if you use your vehicle for business or commercial work, etc. If you've moved, changed jobs or careers that involve fewer miles traveled, be sure to call your insurance company and see if you can benefit in a lower rate.Type of carThe kind of vehicle you choose to purchase has an impact on your cost to insure it. The price of the vehicle, safety testing, whether it's new or used-all of these factors determine the cost of insurance. For example, an expensive sports car will demand far higher insurance costs than a mid-priced Sudan; used car insurance rates are often lower than new car insurance rates. In most states, insurance companies conduct safety testing on every vehicle manufactured to determine how well the car will hold up in case of an accident. Safety features, materials, body design, size, and many other factors are tested, and the results are used in determining the costs to insure each vehicle.CreditUnbelievably, your credit is a crucial factor in determining how much your insurance will cost. For decades, insurance companies have been using credit scores as a guideline in determining what kind of a risk the prospective insured will be to them. According to the Insurance Information Institute, insurance companies have been using credit scores to determine cheap car insurance rates since the Fair Credit Reporting Act was enacted in 1970, claiming that it helps them accurately measure risk. Even studies that date back to the 1940's support the claims that credit is a good indicator of risk. Keeping your credit score high is one of the best ways of maintaining a low cost of insurance.

Car Insurance In New York

Are you looking to buy cheap car insurance in the most expensive city in the world? As car drivers, we understand that it is compulsory for all the drivers in New York to buy car insurance. However, we tend to look at car insurance more as a commodity, and try to find the cheapest deals in car insurance. What determines these insurance rates? There are many things you need to know before you can buy car insurance. First, the rates for car insurance in one state can vary from the rates in another state. It would further depend on your driving records, your place of residence and your age, among other factors. How could you find the best rates possible? You could find the most competitive rates in the Big Apple offered through the Internet, brokers, agents and financial experts. You would need to research the best deals by asking friends and relatives who is using the cheapest insurance, or just talk to your local insurance agents. Before you purchase an insurance policy, the insurance company would also look at your credit limits to find out if you have good or bad credit. The benefits covered by your car insurance would include liability insurance, personal injury protection and uninsured motorists’ insurance as the primary areas of coverage. The secondary areas covered would include collision costs, comprehensive costs, rental car coverage, emergency road services or towing costs, and costs for customized equipment. How could you pay less for your insurance? These benefits in the car insurance package also come with deductions. Collision, for instance, may have a $500 deductible, and comprehensive may have a $100 deductible. You could save more by raising these deductibles. New York Car Insurance provides detailed information on New York Car Insurance, New York Car Insurance Quotes, New York Car Insurance Rates, Cheap Car Insurance In New York and more. New York Car Insurance is affiliated with Chicago Car Insurance Policies.

Washington Car Insurance Rates

Finding low cost auto insurance rates in Washington has never been easier. CarInsurance.com offers the best Online Insurance Marketplace™ to help you comparison shop for the lowest rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less. In addition, we have all the resources you need to make informed decisions about your car insurance. You get great service from the most reliable and affordable insurance companies in Washington, so the only thing you do is shop to save money. The best rate in Washington last year, is not the best rate in Washington this year!

State Insurance Requirements

Washington state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage.
Washington Coverage:
Bodily Injury Liability: $25,000/$50,000 LimitProperty Damage Liability: $10,000 Limit
The state of Washington follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Washington does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
For low cost auto insurance in Washington, get auto insurance from the specialists at CarInsurance.com for your city or these other cities in Washington It is fast and easy. Save Your Time. Save Your Money.

California Car Insurance Rates

If you are shopping for auto insurance in California, you are at the right place. CarInsurance.com offers strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

State Insurance Requirements

California state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.
California Coverage:Bodily Injury Liability: $15,000/$30,000 LimitProperty Damage Liability: $5,000 Limit*Required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000 Limits
The state of California follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). California does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.

For more details visit www.insurance.ca.gov
or
www.carinsurance.com/state/California-car-insurance.aspx

New York Car Insurance Rates

There are many ways to save money in New York, but there is only one way to save money on your car insurance. CarInsurance.com offers the leading Online Insurance Marketplace™ where you can compare great rates and get the most affordable insurance available in New York. By comparing rates from multiple companies, you not only get the lowest rates, you also get a policy that fit your needs. We offer a convenient way to purchase your car insurance online after comparing rates, saving you time and money.

State Insurance Requirements

New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
New York Coverage:Bodily Injury Liability: $25,000/$50,000 LimitProperty Damage Liability: $10,000 LimitUninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 LimitPersonal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).

OHIO Car Insurance

REQUIREMENTS

The state of Ohio requires you to have proof of insurance or other financial responsibility (FR) whenever you drive. The state also requires that you make sure that anyone else who uses your vehicle has FR coverage. When you apply for a license or permit, or when you register your vehicle, you will be required to sign a financial responsibility form stating that you won't drive without adequate coverage.
What is considered adequate coverage? You'll need to have enough to provide coverage of at least:
$12,500 bodily injury per person
$25,000 bodily injury for two or more people
$7,500 for property damage
The simplest way to do this is through liability insurance, which covers damages caused by you against another person that result in personal injury, death, or property damage. Please note that the coverage limits mentioned are just the state minimum requirements. Most insurance experts think that having more coverage than this is a sound idea.
You will be required to show proof of this coverage:
Whenever you are given a ticket.
At vehicle inspection stops.
At traffic court appearances.
At random checks by the Registrar of the Ohio Bureau of Motor Vehicles (OH BMV), primarily via mailings sent to 5% of drivers each year.
You can demonstrate proof of FR coverage by showing:
Your insurance policy.
Your insurance identification card.
A surety bond of $30,000 issued by any authorized surety company.
A BMV bond secured by real estate equity of at least $60,000.
A BMV certificate for money or government bonds in the amount of $30,000 on deposit with the State Treasurer.
A certificate of proof of financial responsibility signed by an insurance agent on a form prescribed by the BMV.
What happens if you can't show proof of FR coverage when asked to? You could:
Lose your license for 90 days on the first offense, a year for the second, and two years for any additional times.
Lose your license plates and registration.
Have to pay reinstatement fees of anywhere from $75-$500, depending on the number of offenses.
Be required to have special FR coverage (suchas the costly "high-risk" insurance) for a period of three to five years.
Face other penalties such as having your vehicle immobilized or sold, or having your license revoked.
Also, if you're involved in an accident and don't have FR coverage, additional penalties could apply.
If you have FR coverage but aren't able to prove it at one of the instances named above, don't panic. You can still provide proof by sending a copy of your FR to the BMV, bringing it with you to traffic court, or sending along a copy of it when you pay your traffic fine. However, if you fail to show proof, the process to suspend your license and registration will begin―even if you do have adequate FR.
For further information on the subject, read about Ohio's financial responsibility laws, or take a look at answers to financial responsibility.

Florida Car Insurance

REQUIREMENTS

Auto insurance is a must in every state in the U.S.; what differs between states is the minimum requirements. Florida has two main insurance laws: the Financial Responsibility Law and the No-Fault Law.
Financial Responsibility Law
All Florida vehicle owners must prove that they have coverage to pay for any injuries or vehicle damage they cause in a vehicle crash. The Financial Responsibility Law covers damage to other people or vehicles, not your own. The law states that you must have the minimum policies in these circumstances:
A crash that you caused, involving injuries
Driver license suspension for too many points
DUI citation and subsequent license revocation
License revocation for habitual traffic offenders
The Minimum Requirements
If one of the above situations applies to you, you will be required to show proof of the following minimum coverage:
$10,000 Bodily Injury Liability (BIL) for one person
$20,000 BIL to two or more people
$10,000 Property Damage Liability (PDL)
If you don't have the minimum coverage when required, you could lose your license and tags/registration for up to three years. You'll receive a notice in the mail with a date of suspension. If you didn't already have coverage, you can purchase it before the suspension date. Your insurance company should then certify it to the DHSMV by filing an SR-22 form. If you wait until after your license is suspended, there will be a $150 reinstatement fee.
No-Fault Law
You're required to have insurance coverage on any motor vehicle that has been in the state for 90 days out of the year (the 90 days don't have to be consecutive). You won't be able to register your car or obtain a license plate without proof of insurance from a company licensed in Florida.
As long as you have your insurance, the policy provider will notify the Department of Motor Vehicles (DMV) of all action on your account, including renewals, failures to renew, and cancellations either by you or the policy provider.
If your policy is cancelled, you'll be notified by the DMV to provide proof of another policy. If you fail to provide that within the time allotted, your license will be suspended for up to three years or until you show proof of coverage, whichever is first.
The No-Fault Law is for coverage relating to your own vehicle and yourself, if you sustain injuries in an accident. The minimum requirements are:
$10,000 Personal Injury Protection (PIP)
$10,000 Property Damage Liability (PDL)
Failure to Carry No-Fault Insurance―Don't Do It
The state is serious about drivers carrying the minimum required amounts for accidents and crashes, and failure to comply can result in big trouble. Besides the three-year suspension, you'll have to pay $150 to reinstate your license at the end of the suspension period. For a second lapse in three years, you'll pay $250, and for a third you'll pay a whopping $500.
Losing your license for failure to have the proper insurance can have lasting negative effects. You won't even be able to apply for a hardship license for work purposes only―Florida doesn't have one.
Have more questions about Florida insurance laws? Contact DMV Customer Service at (850) 617-2000 or check out this insurance-related FAQ for answers related to your specific situation.
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Nevada Car Insurance

REQUIREMENTS

Just like all other states, Nevada requires a minimum amount of liability insurance for every registered vehicle on public roads. The insurance requirement is so important, in fact, that the state has instituted the Insurance Verification Program (IVP), a joint campaign between state-approved insurance companies and the DMV.
Minimum Requirements.
The following are the minimum liability insurance requirements as set by the state legislature:
$15,000 for bodily injury or death of one person in any one accident
$30,000 for bodily injury or death of two or more people in any one accident
$10,000 for injury to or destruction of others' property in any one accident
Liability insurance is the only coverage mandated by law; the IVP does not apply to comprehensive or collision coverage.
Motor carriers (people or companies that transport goods or people for hire) have higher liability requirements. Please see Nevada Administrative Code 706.191 for specific coverage amounts and exceptions.
Fleet owners with 10 or more vehicles may also qualify as self-insurers. Find details on the Self-Insured Requirement Sheet.
If you cancel your insurance for any reason, you must also cancel your registration and surrender your plates to the DMV.
You must obtain a policy from a company that is licensed and regulated by the state Division of Insurance. To verify that the company you're considering is approved, check it out online or call (888) 467-4195.
The Insurance Verification Program
Each month, licensed Nevada insurance companies are required to notify the DMV of new policies that have been written and policies that have been terminated. This information includes the vehicle identification number (VIN), the name of the insured driver, and the dates of applicable coverage changes.
It's important that the names on your insurance policy and vehicle registration match. This means that if you change the name on your insurance policy, you'll also need to change the name on your registration certificate and title.
The DMV uses a computer system to process the coverage change information each month and flag records where the existing policy was terminated and no new policy was assigned. These records are considered possible uninsured vehicles, and the DMV follows up on each one.
First, the DMV will send a request to the registered owner, simply asking him or her to verify insurance coverage on the vehicle, or to confirm that the vehicle was sold or taken out of state.
The verification letter is time-sensitive; if you receive one, you have 20 days to respond, either by mail or using the online Verification Response system. If you use the online system, you'll need to enter the access code that is included in the original verification letter.
If you submit your current insurance information online or by mail, the DMV will verify the coverage with the stated insurance company. If everything checks out, you're in the clear and the verification process ends right there. A letter will be mailed to you, notifying you of the issue's resolution.
If you don't respond, or if the insurance company denies that you have coverage, your registration will be immediately suspended. You'll be mailed a certified letter to notify you of the suspension, and to request that you go through the reinstatement process or turn in your license plates.
You can always appeal the suspension if you feel it was unwarranted or given in error. Contact the Office of Administrative Hearings for more details.
Reinstating Your Registration
To reinstate your registration, simply provide proof of minimum liability insurance coverage and pay the reinstatement fee of $250. You can submit your documentation in person at any full-service DMV office, or by mail to the address on the suspension letter. You can also fax your paperwork to the number listed on your suspension letter.
If you use mail or fax, be sure to use the Processing Center Credit Card Authorization form to submit your payment.
If your vehicle is dormant during the time in question because of mechanical problems or weather, you'll want to submit the Dormant Vehicle Affidavit instead of insurance documentation. The reinstatement fee will then be $50 instead of $250.
In some cases, you may be able to reinstate your registration online, using the Reinstatement feature, or at a self-service kiosk in selected full-service DMV offices in Las Vegas, Reno, Carson City, Elko, Fallon, Minden, and Pahrump. The following must apply for you to be eligible to use these methods:
You have obtained liability insurance for the vehicle in question.
The insurance company has reported your policy to the DMV (can take up to one month).
You have the access code and date of suspension from your certified suspension letter.
You'll need to use a debit or credit card to pay fees online or at the kiosks.

For More Details Visitwww.autosinfo.com/insurance/state/Nevada
Or
www.carinsurance.com/state/Nevada-car-insurance.aspx

New York Car Insurance

REQUIREMENTS

New York is very strict about this: Before you can register your vehicle in the state, you must obtain liability insurance. No insurance, no license plates.
The Department of Motor Vehicles requires proof of insurance in the form of a New York insurance ID card from you and electronic verification from your insurer. State law requires both paper proof and electronic proof.
The minimum liability coverage required to register your vehicle in New York, a no-fault state, is:
Bodily injury liability: $25,000 per person and $50,000 per accident for injury and $50,000 per person and $100,000 per accident for death
Uninsured motorists coverage: $25,000 per person and $50,000 per accident for injury and $50,000 per person and $100,000 per accident for death
Property damage liability: $10,000
Basic no-fault: $50,000
New York, unlike most other states, requires that you insure your vehicle with a company licensed by the New York State Insurance Department; out-of-state insurance is unacceptable.

Your insurance company will notify the DMV electronically both when it issues you a policy and when the policy ends. If one company notifies the DMV that its policy for you has lapsed before another company informs the DMV of a new policy for you, and you haven't turned in your license plates to the DMV, you'll have problems.
The DMV will send you a letter about the issue, and if you don't resolve it right away, you could lose not only your vehicle registration, but also your driver license. Beyond that, driving an uninsured vehicle is against the law; you could be ticketed and fined, and your car could be impounded.
If the DMV suspends your registration due to lack of insurance for 90 days or fewer, you may be given the option to pay penalties between $8 and $12 for each day the vehicle was uninsured (a civil penalty for 85 days will run you $840).

For More Details Visit www.newyorkcarinsurance.com
Or
www.carinsurance.com/state/New-York-car-insurance.aspx

Texas Car Insurance

REQUIREMENTS

Before you can register your car in Texas, you have to get it insured. Car insurance not only pays for damages to vehicles in an accident, but―more significantly―it also covers medical bills that result from any injuries.
Texas motor vehicle insurance requirements are relatively simple and straightforward. You must maintain an insurance policy for each vehicle you own; the policy must provide at least the following minimum amounts of coverage:
$25,000 for bodily injury or death to one person per accident
$50,000 for bodily injury or death to two or more persons per accident
$25,000 for damage or destruction to other property in an accident
This insurance is sometimes referred to as "25/50/25" insurance―everyone knows about the extra zeros.
Keep in mind that these minimum amounts may not be sufficient to fully protect you from direct financial liability and loss if you are found to be at fault in an accident. These are just the minimums that the state of Texas requires.
In reality, actual settlements could be far higher, and you might have to pay them out of pocket. Therefore, many insurance associations recommend policies with 100/300/100 coverage or more; in most cases, you'll find this doesn't raise the premiums much.
Comprehensive Insurance
In Texas, as in other states, if you don't own your car outright, the bank, finance company, or other lienholder will demand that you have full comprehensive and collision insurance. This is so that they can be fully reimbursed if you wreck what is legally still partly or mostly their car.
This type of coverage can dramatically increase the amount you must pay to be insured. If you own your car in full, you may choose to omit this type of coverage―if you are willing to absorb a total loss on your vehicle. If you are in an accident that is your fault, or if your car is stolen or broken into, you might not be compensated by the insurance company.
Penalty for Not Being Insured
All vehicles must be insured in Texas. The penalties for driving uninsured are substantial, starting with a fine between $175 and $350 for a first-time offense. Not a quick learner? The fines skyrocket on the second and third offenses, and that third offense can result in the suspension of your driver license and the impoundment of your vehicle.
It can also kick in a nasty little citation labeled "failure to maintain financial responsibility." This offense is in the category of "surchargeable violations."
A surchargeable violation means that you may pay the fine for the ticket―and then pay an additional penalty each year for up to three years. This penalty applies even if you maintain your insurance perfectly from that point on. For more information on this interesting twist in Texas law, read about the Texas point system.
Out-of-State Auto Insurance
If you have auto insurance issued from out of state, it must offer the above coverage to be considered minimally valid in Texas. All policies issued by insurance companies registered with the Texas Department of Insurance to do business in the state of Texas will provide at least this minimum amount of coverage.
Self-Bonding
No, this has nothing to do with superglue accidents. While technically an invididual is legally allowed to post a massive financial bond and become self-insured rather than acquire auto insurance, in reality this is not practical. No matter how uninsurable you might think you are, a myriad of Texas insurance companies are ready to insure you (for a price).
If It Exists, Insure It
In Texas, all cars must be insured constantly. This applies to non-working vehicles as well.
Vehicles must be insured in order to transfer title. If this process is completed within 30 days of the sale, preexisting insurance may be used. But after 30 days, a new policy must be written for the car.
High-Risk Drivers
Maybe you're the unluckiest driver in the world and have been in an unusual number of accidents, or maybe you have a terribledriving record. Either way, if you've been turned down by two or more insurance companies, you may be able to get insurance under the Texas Automobile Insurance Plan Association (TAIPA) program. TAIPA can be contacted at (866) 321-9154 or (512) 444-4441.
Filing Insurance Complaints
If you feel you have been treated unfairly, denied insurance without reason, or not handled appropriately by an insurance company after an accident, you can file a complaint with the Texas Department of Insurance using any of these methods:
Web: Consumer Complaints
E-mail: ConsumerProtection@tdi.state.tx.us
Fax: (512) 475-1771
Mail:
Texas Department of Insurance
Consumer Protection (111-1A)
P.O. Box 149091
Austin, TX 78714-9091
Include as many details as you can about the problem, what you think is wrong, and what action you want to be taken to help you resolve it.

For More Detail Visit www.kanetix.com/texas-car-insurance-tx-usa

Oregon Car Insurance

Like most other states, Oregon law requires all drivers to insure vehicles for use on roads and highways.
The minimum requirements for liability insurance are:
At least $25,000 per person bodily injury and property damage liability
At least $50,000 per crash for bodily injury to others, and
At least $10,000 per crash for property damage.
The law, enforced by the Oregon Department of Motor Vehicles (DMV), also requires each liability policy to include personal injury protection, which is intended for required medical, dental and other expenses until a year after the incident. The minimum is $15,000 per person.
The legal insurance requirements for Oregon also include uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injury.
Oregon motorists must certify they have the coverage described above each time they register a motor vehicle, or purchase a light vehicle trip permit. By doing so, Oregon drivers are agreeing that they will comply with the insurance requirements while the vehicle is registered or permitted.
To ensure compliance, the Oregon DMV randomly requests vehicle owners to provide insurance information, includingcompany and policy number. Responses are verified, and if residents do not respond to these requests, driving privileges are suspended.
If a motorist does not have the insurance claimed, DMV will notify the local district attorney and the motorist will be charged with a Class A misdemeanor, punishable by fines, a one-year jail sentence, or both. A conviction of this charge also requires three days in jail for violators.
Those who do not have the coverage they claimed will also be subject to proving compliance with Oregon's insurance requirements and financial responsibility law for a period of three years. If you do not obtain at least the minimum coverage requirements and show proof, driving privileges are suspended.
The penalty for driving without the minimum required insurance may result in the following:
Fines
Suspension of driving privileges
Vehicle towed, with fees
Those convicted of driving uninsured must file proof of compliance with Oregon's insurance and future financial responsibility law for three years. Otherwise, driving privileges will again be suspended.
Those involved in an accident without required insurance will lose driving privileges under suspension for one year. After the suspension, driving privileges may be reinstated if motorists file proof of future financial responsibility, which will be required for three years.
Proof of insurance, required for driving tests and some transactions, or the situations described above, consists of:

Insurance In America

The total premiums of the United States have reached at US $ 1,055,498 millions among which the premiums from life insurance were at US $ 480,919 millions and from non-life insurance were at US $ 574,579 millions, according to the U.S. Central Intelligence Agency, (economic/demo-graphic data) 2003.The total assets of life insurance companies have grown at an average annual rate of 12 percent from 2002 to 2004, rebounding from slower growth of 3 percent from 2000 to 2002. Companies like MetLife, Prudential Financial, New York Life Insurance and others deal with the life and Health Insurances of the country.Among other types of the insurances of the country Travel Insurance, Auto Insurances have a high demand. The Auto Insurance follows Liability coverage, Bodily Injury Coverage, Property damagecoverage, Medical payment coverage, Personal Injury Protection (PIP), Uninsured Motorist coverage and collision coverage.
For More Details Visit www.insurance4usa.com

What Insurance Covers ?

What Insurance Covers ?

If you've ever been the victim of a vehicle break-in, you know how troubling it can be. Someone has invaded your privacy and stolen your belongings, then left you to pick up the pieces.
You can make a claim on your auto insurance policy to fix the damage as soon as possible, but do you know what items your auto insurance actually covers in these unfortunate situations?

Common Items Stolen From Vehicles


• Car Stereos

• Cell phones

• CDs

• Laptops

• Small electronics

• Wallets or Purses

Of these items, do you know which ones are covered by your insurance policy?
Auto Insurance Covers
Under most auto insurance policies, damages due to theft will be covered under Comprehensive coverage. If you're the victim of a break-in, first check your auto policy to see if you have Comprehensive coverage. If you do, you can see what items are covered in the event of a theft.
Of the goods listed above, typically only car stereos would be covered by your auto insurance policy — and even those aren't guaranteed to be covered.
All of the other items — cell phones, CDs, electronics, purses, wallets, etc. — would probably be covered by your homeowners (or renters or condo) insurance policy, if you have one.
In most states, if you have a Progressive policy, we will cover sudden, direct and accidental loss to your vehicle and its custom parts or equipment. Custom parts or equipment are items that are permanently attached or installed to your vehicle. The operative word here is "permanently."
Going back to the statement that your stereo may not be covered, here's why: If you have a stereo that's made so the entire unit (not just the face) can be detached from your vehicle, the stereo would not be considered part of the vehicle, nor would it be considered custom parts or equipment. This is also why the other loose items that are not permanently attached to your vehicle likely would fall under your homeowners policy instead of your auto policy.
If a burglar breaks a window, scratches your door, breaks the lock or does other damage to the vehicle itself, that damage would be covered by Comprehensive coverage if you have it on your policy. With Comprehensive coverage, you would pay a deductible that you chose when you purchased your policy, and your insurance company would pay for the remaining related damage

For More Details Visitwww.carinsurance.com/CoverageDefinitions.aspx

Arizona Auto Insurance

Insurance in Arizona is regulated by Arizona Department of Insurance, including auto insurance. Purchasing of Arizona auto insurance is considered one of the primary responsibilities for all vehicle-operators in Arizona.

Arizona's auto insurance coverage includes:

Bodily Injury: This type of liability insurance covers medical expenses, lost wages, and pain and suffering occurred due to an accident at which the driver is at fault.
Property Damage: This type of liability insurance pays for property damage one causes in an accident (damage includes damage to other vehicles, buildings, fences and road signs).

Conditions to Buy Arizona Auto Insurance include:

• Minimum amounts of insurance for every vehicle owned and operated within Arizona.

• Possession of Arizona auto insurance to register vehicle.

• If the owner is involved in an accident and does not hold insurance, he/she is financially liable for injuries and property damage caused to others.
For More Details Visit www.choicearizona.com

Kentucky Car Insurance

If you're driving in Kentucky, you must have liability insurance, as well as basic no-fault personal injury insurance coverage; otherwise, you risk being fined and losing your driver's license and plates.
The minimum requirements for liability insurance are $10,000 for property damage and $25,000/$50,000 for bodily injuries. Drivers may opt for the "single limit" plan that covers liability of $60,000. The no-fault personal injury insurance will pay up to $10,000, regardless of who caused the accident.

What is No-Fault Insurance?

Under no-fault personal injury insurance coverage, you will be compensated for up to $10,000 of your out-of-pocket expenses, regardless of who was at fault for the accident; however, under no-fault insurance coverage, your right to sue, as well as the right of the other party, is limited.
You can avoid these limitations by rejecting no-fault insurance coverage. To do so, you must file a special form with the Kentucky Office of Insurance. Obtain the form from your insurance agent, company, or the Office of Insurance itself.

For More Details Visit www.dmv.org/ky-kentucky/car-insurance.php

ALABAMA CAR INSURANCE

All Alabama drivers must be covered by liability insurance (or an acceptable alternative) when operating a vehicle. The state enforces minimum coverage of $25,000 injury liability for one person, $50,000 for all injuries in one accident, and $25,000 property damage in one accident.
If you choose not to carry auto insurance, you must be able to prove that you have either a motor vehicle liability bond or deposit of cash in the amount of $50,000.
Drivers must carry proof of insurance with them while driving. If the Alabama Department of Revenue discovers that a vehicle is not covered under insurance, that vehicle tag registration will be suspended until proof of insurance is supplied and a reinstatement fee of $100 is paid.
For subsequent offenses, the owner must serve a four-month suspension, pay a $200 reinstatement fee, and provide proof of current insurance.
Proof of Insurance
Alabama law accepts a variety of methods for proving insurance. They are:
The permanent or temporary card issued by your insurance company.
Your premium receipt or binder issued by your insurance agent.
The actual policy, or the current declarations page of your policy, for your vehicle.
Proof of purchase of the vehicle within the past 60 days and a valid insurance card from your previous vehicle.
If you are renting a car, the copy of the rental agreement that specifies the insurance coverage.
If you need additional information, please review Alabama's insurance laws.
For More Details visit www.dmv.org/al-alabama/car-insurance.php

Commercial Package Programs

Each business has unique insurance needs, and Safeco has a wide variety of package products to meet the needs of commercial customers.

Commercial Package

Most Safeco commercial packages aren’t really basic at all: they include enhanced liability and property coverages and many coverage options that can be tailored to customer needs. We can customize coverage for the large and small commercial customer using our proprietary Property forms (Peak, Peak Extra) and adding General Liability, Crime, and Inland Marine coverage based on the needs of each customer.

BOP Access

If your needs don’t quite fit a traditional businessowners policy (BOP), but don’t require a complex package, Safeco’s BOP Access is a package product that builds in the coverage you need to protect the company. Businesses that aren’t eligible for a businessowners policy may be eligible for BOP Access. BOP Access is packed with additional enhanced coverages and easily customizable options.

Business Types

Safeco commercial policies serve a broad range of customers. BOP Access offers three types of coverage; one is exclusively designed for restaurants, one for manufacturers, and a third for other classes of business such as hotels and motels. Safeco has other commercial package products designed especially for:
Restaurants
Auto specialty shops and service stations
Golf and country clubs
Religious institutions
Specialty contractors such as landscape gardeners

For More Details Visit www.safeco.com

Keep Your Vehicles On The Road

Keep Your Vehicles On The Road

Downtime for your commercial cars, trucks, and other vehicles is more than an inconvenience it's lost profit.
That's why our commercial auto insurance coverage and service get you back on the road fast.
All the services Safeco offers are designed around convenience and speed for you not us. And our insurance coverage really covers. Many customers find our basic commercial auto insurance policy so complete that they don't need additional coverage rare in standard policies.

Coverage Options

Find It Easier to Do Business

We automatically add third parties, like your vendors or clients, to your auto liability coverage when their contracts require it which makes it easier for you to comply with their contracts.

Help Protect Your Employees

If employees use their own vehicles for your business, they and their vehicles are covered for
liability when accidents or injuries happen on the job (subject to other primary insurance).

Reduce Out-of-Pocket Insurance Claims Expenses

If you have a new vehicle that's totaled, we will pay you the full purchase price without depreciation. We'll also pay up to $1,500 to cover the gap on the lease or loan of any totaled vehicle.
If two or more deductibles apply to the same loss, we will waive one. We will also waive the deductible for glass repair.
Your comprehensive and collision coverage may extend to any vehicle you rent, lease, borrow, or hire up to $50,000 even heavy trucks.

Risk Control

As a Safeco business customer, you have access to our online Customer Resource Center. You can learn about safety programs and download valuable risk management tools.
Drive-In Claims Centers
At Safeco, our schedule works around yours. Our drive-in service is fast and efficient, and allows you to pick the time that works for you when you need to file a claim for your car, truck, or other commercial vehicle.

Your Repairs Will Get Done Right

Use our Premier Auto Claims Experience program (PACE) to be sure work performed on your vehicle will be done right and fast. With PACE, we guarantee the repairs for as long as you own the vehicle. We even handle the paperwork so no money needs to change hands.

Our President's Guarantee Proves We're Committed

We stand behind the quality of covered repairs with a written guarantee on all auto damage estimates. If quality replacement parts are defective, we'll pay to replace them. If a repair doesn't meet industry standards, we'll make it right. We also cover the cost of a rental vehicle. Simply use PACE, our drive-in facilities, or Safelite, our glass repair network.
Talk to your agent about additional business insurance needs. Safeco has package programs for property and liability, workers compensation, and umbrella liability insurance to protect your business from the ground up.

For More Details Visit www.safeco.com

Auto Insurance In Kansas

Information for Kansas

American Family Insurance offers a variety of coverage options to protect your car or truck in case of accident, vandalism, theft or natural disasters. It protects the driver, passengers and any people you might accidentally injure with the vehicle - whether they are in another car or not.
Wherever you go, it's comforting when you know you're protected with reliable car insurance from American Family Insurance.
Additional Product Information
American Family Insurance offers product brochures for you to download1 and read at your convenience.

Cars and Trucks Insurance Coverage Information (203KB)

We also provide coverage for business cars and trucks.
For more information, contact your local American Family Insurance agent.
Auto Ratings for Safety, Insurability and Loss
Are you interested in purchasing a safer SUV? Wondering which vehicles are stolen the most? Is your auto more expensive to insure?
Find the answers to all of these questions and more at the Insurance Institute for Highway Safety.
Learning Center
We have a special interactive tool to help you learn more about auto insurance. Take theTour of Auto Insurance today!

For More Details visit www.amfam.com

Automobile Insurance

Economy and Safety go together with New Hampshire car insurance policy that will make you feel safer in your car then ever before. With greater benefits, exclusive features and more mileage on your investment, New Hampshire comprehensive car insurance policy give you maximum coverage against theft, accidental damage, third party liability and terrorism.

We have been delivering innovative automobile insurance solutions in Pakistan since 1949. Our primary focus is providing exceptional service to all of our independent agents and valued customers because you are the core of our business. Our Auto insurance features products backed by our unparalleled resources and internationally acclaimed financial strength. Faster, more efficient and accurate methods of transacting business translate into a healthier relationship with you for many years to come.

Exceptional Claim Services

We pride ourselves on our ability to deliver fast, fair and accurate claim service.
Our extensive national network of claims offices backed by our dedicated claims professionals who are ready to help 24 hours a day, 7 days a week. We guarantee payment of claims within 30 days from the date of reporting (subject to receipt of all required documents) without Policy Final Report.

Our product line in automobile insurance ranges to the following:-

• Private Individual cars
• Corporate fleet cars
• Individual employee vehicles
• Corporate Fleet Commercial Vehicles & Motorcycles

For More Details visit www.aig.com/Automobile-Insurance_294_89346.html

Worldwide Ocean Cargo Insurance Services

The Worldwide Ocean Cargo Insurance Services, is an Internet site created to address the insurance needs of import/export companies and commercial shippers who require Ocean Cargo, Air Cargo, Motor Truck Cargo, and Freight Insurance.
We offer:
comparative and competitive rates
the option to purchase Ocean Cargo insurance directly over the INTERNET
easy monthly payments billed directly by the insurance company
(You can even e-mail your monthly certificates.)
We offer policies on a brokerage basis through a number of companies including Fireman's Fund, AIG, CHUBB, CIGNA, MOAC, Lloyds, Great American and a handful of other highly experienced and capable worldwide import/export cargo insurance and ocean cargo insurance carriers.
To obtain your import or export insurance quote, please complete and submit the Quote Questionnaire. We'll provide you with quotations from leading carriers so you can make an informed decision, usually within 48 hours.
Please feel free to visit:
Quote Information Sheet
glossary of ocean cargo insurance terms.
USFDA Import Alert information.
Who are the people behind the scenes at WOCIS.

Health Insurance

The most fruitful investment we can make in life is making daily efforts toprotect and develop our health and fitness.Every small change you make every dayleads you to healthy well-being.
Health is wealth. Thanks to advances in medical technology, we are able to treat and combat many more medical conditions than ever before. However, it also means the cost of treatment has risen and finding the right medical institution has become a challenge. But remember, it's never too early to begin planning for the unexpected. We offer a range of health insurance plans providing health protection and financial security to help manage the financial burden of unforeseen medical expenses or loss of earnings.
Accident Benefit
Accidents can be unpredictable and unavoidable. Therefore, it is essential that you are fully prepared for the unexpected.
Hospital Benefit
Faced with increasing medical fees, comprehensive cover will help minimize the possible financial impact from hospitalization.
Critical Illness
A healthy life is something most of us take for granted. Unfortunately, serious illness can strike at any time and usually when we least expect it.
Premium Waiver
In the event you become totally incapacitated or die, it is important the protection of your family remains unaffected. Our premium wavier benefit is the hassle-free solution.
Lady's Benefit
Today, more women are enjoying the challenge of managing both a successful career and a happy family life. To secure what you have today and prepare for a better future, good planning is important. Our Lady's Benefit plan is designed to meet your specific needs during the different stages of your life.
Disability Income
A stable and reliable income is essential to budget for everyday expenses, maintain your current lifestyle and achieve future financial goals. Interruption to this income due to accident and illness could make it difficult to afford even the basic family needs. We offer the solution to protecting your income and financial future while avoiding financial hardship.

Life Insurance

Life insurance can play an important role in your financial planning. We offer a wide range of life insurance plans to help provide the protection you need, while helping to manage your personal finances. Our expertise means you can concentrate on the important things in life.
LifePlus
A whole life participating plan tailored to your savings and protection needs.
Platinum Low Cost
A whole life participating plan offering high protection for relatively low premium payments.
Save & Cash 20
A 20-year limited pay plan combining cash savings with a guaranteed cash endowment and lifelong protection.
Value Protector Plus Supreme
A whole life plan offering relatively high protection and guaranteed cash values.
Partner One Plan
A participating plan offering whole life protection with an additional Partner Bonus from just one single premium payment.
Partner Retirement Plan
A secure choice for asset accumulation, with relatively high guaranteed values, guaranteed retirement bonus, special dividend and whole life protection.
Value Savings
A savings plan offering life protection for a specified saving period and rewarding return at maturity.
Prestige Savings
A regular savings plan combining cash accumulation with life protection.
Flexi Savings
A whole life protection plan offering different premium payment period options and strong saving elements.
Goalset Savings
A savings plan providing whole life protection and comparatively high guaranteed returns on savings, with guaranteed cash endowment.
Comfort Senior Savings
A 10-year limited pay senior plan offering savings with lifelong protection.
Multi-Select Term
A renewable and convertible form of term insurance plan, providing life protection with multiple policy terms at affordable premiums.
Option to Purchase Paid-Up Additions
A supplementary benefit providing extra protection on top of the basic insurance policy.
Lifetime Protector
A whole life insurance plan offering lifelong protection from affordable premiums.

Utilities Insurance

What Is The Grundy N.A.W.C. Insurance Program For Utilities?
Insurance for Water Companies
Insurance for Water Districts
Insurance for Waste Water Systems
This program is available through your current insurance agent or on a direct basis.
More than fifteen years ago the National Association of Water Companies, N.A.W.C, asked Grundy Worldwide to develop an insurance program which would benefit its membership and protect purveyors of drinking water nationwide. Grundy Worldwide is credited for having created an insurance program for the typically neglected small water company owners of America. Time and experience have broadened that program to now offer a full range of superior coverage to water and wastewater companies of all sizes, smallest to largest, in all fifty states! When you choose Grundy Worldwide, you also inherit a legacy of:

Outstanding Service
A- (Excellent) Rated Underwriting Companies
Rapid Response
Experienced Claims Settlement
Expert Insurance Service in Your Industry

Unmatched Flexibility
Accommodating Underwriting Guidelines
Coverage Tailored to Your Needs

Worldwide Insurance Network Group

Global reach, personal service

The WING group of independent partner brokers offers a powerful alternative to the mega brokers’ impersonal, corporate approach to global insurance services.Our well-established international partnership covers more than 50 countries, with each WING broker dedicated to delivering co-ordinated, integrated insurance, risk management and employee benefits consultancy services through expert specialist teams. Every WING member shares the same total commitment to maintaining the very highest service standards and scrupulous integrity. We believe that these fundamentals lie at the heart of every successful business relationship - however large or small the client. Opening doors to open minds
The membership of WING has been carefully selected from independent brokers who built their excellent reputations through total commitment to quality and by providing clients with a professional, personal and dedicated service.Why WING? Because we are totally client focussed. Choose your region and make contact now with your local WING partner. It’s your fast route to securing high quality commercial insurance services both near to home and further afield - whichever direction your business is heading.

Insurance
Property
Business Interruption
Public/Product Liability
Employers’ Liability
Workers’ Compensation
Professional Indemnity
Auto
Construction
Engineering
Marine
Aviation
Personal Accident
Political Risks

Health Insurance Made for Global Citizens

International health insurance plans are designed for people who are working or residing abroad. These global citizens include expatriates and local nationals who want the freedom to seek care beyond their borders. International health insurance plans have also been growing in popularity, as more people understand the shortfalls in their current domestic health insurance.
Problems with domestic health insurance coverage overseas:
Limited coverage outside of U.S.
Residency requirements – Most plans require that you physically reside in the state in which the policy was issued 6 months each year, or the policy is void.
Reductions in benefits – Coverage is reduced to “emergency only” care.
No resources such as assistance with claims, emergencies or foreign healthcare systems.
Limited coverage amounts – Benefits can be reduced substantially.
No network of providers or endorsement of doctors.
International health insurance plans eliminate the problems with domestic health insurance by providing the following benefits:
Global coverage area – Live and work anywhere in the world.
No residency requirements – Stay at home or abroad as long as you like.
Full range of benefits anywhere in the world.
Web-based resources such as global provider directories, health and safety reports, and medical translation guides.
Up to $5,000,000 of lifetime coverage.
No restrictions on doctors or healthcare facilities – and no referrals needed!

International Cargo Insurance

Our international cargo insurance makes sure your valuable cargo and other property is protected while transported through high risk areas (including Iraq and Afghanistan).
War risk international cargo insurance is designed to insure your cargo and other property during transport and includes protection against acts of war. Our international cargo insurance policies insure the following forms of transport:
Ocean vessel
Aircraft
Truck
Barge
Rail
A comprehensive cargo insurance policy makes sure your cargo, and those of your clients, are as secure as they can be, so any cargo problems don't damage your business.

International Group Life Insurance

Protect your team - and your business - with international group life insurance
International group life insurance is designed to provide for your expatriate and local employees' dependents in the event of their death, with the international insurance cover providing a lump sum and/or income to any dependents on death. More importantly it provides the employee with peace of mind that, should the worst happen, their close family will not be left to struggle with financial difficulties.
The benefit of international group life insurance
The benefit of international group life insurance is one we all hope will never be needed, but having it in place demonstrates care for the welfare of your expat and local employees and their families.
No matter what size or type your organisation is, you can have a flexibly designed employee benefit program. You can access advice both online and offline to ensure you get precisely what you want. Other expatriate benefits available include our international disability insurance. Let us know if you've any questions about any of our international insurance services.
You'll be tapping into Bellwood Prestbury International experience to ensure that the design and implementation of a complete range of international and local employee benefits for your overseas expatriate workforce, including any international group life insurance provision, is on target.
In less developed countries more and more expat employers are looking beyond local insurance companies, as the market is often in its infancy with insufficient capacity to underwrite the amounts involved. You can choose to use us to cover local companies (subject to local regulations) if they require the security and quality offered by an international insurance company.
What are the advantages of our international group life insurance policy?
Good expat and local employment benefits can make the difference between keeping your key staff and losing them to a competitor, but there are many advantages both for you as an employer and for the staff that receive them.
International group life insurance for employers:
You can recruit the best expatriate and local candidates - and keep them.
You will provide security and transfer the risk without putting an unacceptable strain on company resources.
You can usually claim the costs as a business expense.
An international group life insurance policy can be put in place quickly with the minimum of paperwork and with little time or cost involved in administration.
International group life insurance for the employee:
The biggest benefit for most employees is peace of mind. To know that their financial security and that of their dependants has been provided for is priceless.
Should they have to claim, any lump sum payable is normally free from tax.
What cover does international group life insurance provide?
You are free to select the level of international insurance benefit for your employees, such as a fixed sum or a multiple of salary.
Your final decision may be driven by cost, but other factors will inevitably have an influence:
your employees expectations,
the employment philosophy of your organisation,
your company's desire to provide a realistic benefit,
the group life insurance cover provided by your competitors.