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Wednesday, June 24, 2009

Antique Truck and Car Insurance is a Classic Move!

Getting the right antique truck and car insurance for you is a very important part of protecting your financial investments. Insuring a collector car or truck has special considerations. Here are just a few things to look for that might help you choose the right antique truck and car insurance policy.

Make sure your antique truck and car insurance policy covers you for the way you actually use your antique or classic car or truck in real life. Some people may imagine that they are going to leave the car in the garage all the time but, in actuality, they can never resist driving it day after day. When an accident happens, they are out of luck.

Similarly, however, If you only drive your antique to and from big antique events, or in an occasional show, then a policy limiting you to those uses might serve your needs very well. THink through your habits very carefully before you decide on your antique truck and car insurance.

If you also use your car to run down to the store to pick up a few things or to the coast, you need to be sure your policy covers that kind of use. Ask your antique truck and car insurance agent for some advice.

You should also know the difference between a "Stated Value" and an "Agreed Value" for your antique truck and car insurance purposes. These terms can be described in detail by the insurance agent when you visit their office.

Be sure to ask your antique truck and car insurance agent how the company issuing your policy defines these two terms, and which is better for your situation. He should be able to help you with any questions you might have.

You really don't want to find out after an accident that you used the wrong method to set a value for your antique or classic car. Your antique truck and car insurance should cover you in any situation that might come up. Searching around and finding the right antique truck and car insurance will save you alot of problems down the road.

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Tuesday, June 23, 2009

The American General Life and Accident Insurance Company Lawsuit

A Class action lawsuit was filed against American General in Tampa Florida and the american general life and accident insurance company lawsuit was in relation to burial insurance. This american general life and cccident insurance company lawsuit was filed in 1999.

The american general life and accident insurance company lawsuit was filed in Gainesville, Florida, on October 27, 1999. The complaint alleged that for many decades american general life & accident insurance company had engaged in a nationwide scheme which takes advantage ofthe poor and minorities in the sale of burial life insurance.

Burial life insurance policies are policies with benefits of generally $1,000 or less. The american general life and accident insurance company lawsuit referred to an activity where, through life insurance companies it has acquired, such as Independent Life and Accident Insurance, targeted the poor and minorities for the sale of burial life insurance.

Burial policies often build little or no cash value. The american general life and accident insurance company lawsuit alleged that even though the premium payments on burial policies appeared small, millions of poor and minority policyholders paid substantially more in premiums than the death benefits provided by the policies.

Because the policies contained little or no cash surrender value, policyholders stood to lose everything paid into the policies. The american general life and accident insurance company lawsuit argued against this.

Burial policies have been widely sold to disadvantaged people by agents who would routinely make personal visits. The american general life and accident insurance company lawsuit alleged that the policyholders would have thier premium payments collected by agents who convinced policyholders to purchase additional insurance products.

The american general life and accident insurance company lawsuit also alleged that in some instances policyholders were sold as many as twenty burial policies even where it was not in the policyholder's best interest to purchase additional burial insurance. The american general life and accident insurance company lawsuit also alleged that even though other types of life insurance were available which were better and less expensive for thepolicyholders, American General Life & Accident Insurance Company agents sold the burial policies solely to increase their own commissions and the company profits..

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Sunday, June 21, 2009

Affordable Car Insurance in New Jersey

You've decided you'll need a loan to purchase your next car. But do you know how much affordable car insurance in New Jersey there is? With so much "easy financing" out there, it's easy to get in over your head. It is important to determine the maximum affordable car insurance in New Jersey that you can afford, based on your monthly budget and the loan terms you select.

Personal car insurance companies now offer affordable car insurance in New Jersey to many consumers. The New Jersey insurance system has turned into a competitive marketplace. With instant online quotes and policy issuance, consumers can discover the advantages of car insurance that's as easy as "Quote. Buy. Print.'"

Consumers should shop their car insurance at least once a year, but when there's a new entrant in the affordable car insurance in New Jersey market, they should definitely get new car insurance quotes.

To make car insurance shopping easier for consumers, there exists offers of fastest quotes online to New Jersey drivers, along with instant affordable car insurance in New Jersey quote comparisons.

More than 53 percent of the affordable car insurance in New Jersey reflects deflating prices, further evidencing the economic impact these changes have brought, according to Jaimee Gilmartin, New Jersey Department of Banking and Insurance spokeswoman.

The state's affordable car insurance in New Jersey offers more choices for consumers, and that means lower costs. New Jersey has become the kind of marketplace where companies want to do business and grow. Along with insurer competition have come expanded protections, increased consumer options and stronger insurer services.

The New Jersey Department of Banking and Insurance now focuses on recruiting new affordable car insurance in New Jersey, retaining existing policies and exploring the use of technology to reduce risk and lower car insurance rates.

New Jersey consumers deserve choice and competition in their affordable car insurance in New Jersey. When it comes to car insurance, they're finally getting it. It's about time New Jersey consumers took the wheel! Affordable car insurance in New Jersey is no longer a dream but a reality.

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Saturday, June 20, 2009

Advocate For Health Insurance

While providing health coverage is a big problem for big businesses, it is even worse for small businesses. This is the reason why people need an advocate for health insurance. Small businesses looking to provide health-insurance benefits to compete for top talent find the challenge truly amazing. An advocate for health insurance makes things alot easier.

Large companies often suffer from increases in healthcare premiums, but small employers fare much worse. According to the Annual Employer Health Benefits Survey, an advocate for health insurance can be a great benefit.

Less than half of small businesses offer health coverage to their employees becasue it is simply too hard with an advocate for health insurance. Small firms that do offer it often hesitate to add full-time employees, who each can cost the company a fortune if they elect a family plan.

Even though the federal government is now dealing with a burning national crisis of healthcare costs, some states are acting as an advocate for health insurance and are helping small businesses get their employees insured. This is such a great benefit to small businesses who need a helpiung hand or someone to back them up.

The health-insurance programs that are most popular and are especially pushed by an advocate for health insurance may be ones that directly subsidize premiums. One such program is The Insurance Partnership from the commonwealth of Massachusetts. This is a great program that advocates for small businesses all over the Massachussetts area.

The IPCM, which helps pay for health coverage of lower-income workers offers workers a large insurance subsidy. This is a great program from a successful advocate for health insurance. For example, if a family policy carries a monthly premium, the employer pays only half. Keeping valued employees is their biggest motivation so smart employers recognize this and retain the best possible workforce.

Other places that act as an advocate for health insurance nad are offering insurance subsidies for small-business workers include Rhode Island, Oregon, New Mexico and San Diego. These are all excellent examples of an advocate for health insurance that are for everyone!

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Friday, June 19, 2009

Sneak Peak At Florida Insurance Adjuster Training And Exams

To begin your adjuster florida insurance training, you must first either have taken college courses in adjuster training or have worked in the field for a number of years. If you have had previous experience with an insurance company as a sales agent, you probably already know a lot about what goes in to adjuster florida insurance training.


As an adjuster florida insurance training professional, you are like a detective, sifting through a burned building with the fire marshal to determine the cause of the blaze. Was it and accident? What started it? Was it arson?

Adjuster florida insurance training will provide the answers to these questions and if the insured party will receive an insurance settlement or if someone will be charged with a crime.

What about life insurance? In Florida and other states, the adjuster florida insurance training professional reads the medical examiners report and often conducts interviews at the medical examiners office as to the cause of death.

As an adjuster florida insurance training professional, you may have to interview the decedent's family, so compassion and people skills are a must. Your adjuster florida insurance training will also teach you to spend a fair amount of time interviewing for auto damage claims or go to court with a claimant.

The University of Central Florida and Florida Insurance University have developed a course online for adjusters florida insurance training so that they may be in compliance with their continuing education requirements.

These adjuster florida insurance training courses are $49.00 for each individual course or $296.40 if you purchase the bulk course outline of all 12 courses needed for the 24 hours of continuing education required for Florida adjusters every two years. The format for each course includes a study guide which includes everything you need to pass the quiz at the conclusion of the course, which you must pass by at least 75%. This website will also provide anyone new to the field of insurance adjusting the information needed to begin your career.

Due to the devastating storms in Florida recently, adjuster florida insurance training is in high demand and online schooling and certification programs have lowered their fees and have reduced the wait time for eligibility response letters. Now is a good time to get into adjuster florida insurance training.

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