Foremost shares how this new package provides for a great benefit to it’s customers and the intention is to offer enhanced coverage option and quality coverage at a competitive price. By allowing customers to “built their own package” of insurance coverage, the program is more flexible for those who want a custom policy. Customers also have the option of simply selecting the Platinum Package which comes with great coverage as well as an additional discount.

Highlights of the Landlord Platinum Package:

• (RC) Replacement Cost on the Dwelling
• $3,000 of Personal Property coverage
• Coverage for 10% Loss of Rents
• $300,000 Premises Liability, this includes (PI) Personal Injury
• Coverage For Other Structures: 10% up to $10,000
• The Platinum Endorsement offers Additional enhancements

Property owners who select the Land Lord Platinum Package will also get a 6% insurance discount on Dwelling and personal property premiums.

Landlord Platinum Package Availability:
(Available only on Dwelling Fire Three policies.)

Progressive, a leading Insurer for auto and motorcycle insurance, offers competitive rates with an easy online platform to make changes to your auto insurance policy. By the end of December 2011, the company plans to fill 150 jobs for sales, service and claims in Cleveland, Ohio.

The basic responsibilities of a phone representative is to sell policies, answer questions for customers and also help their insured file insurance claims. Anyone interested in working for Progressive in Cleveland should have prior work experience in customer service and should also prove to have a stable and professional work history.

Employees do receive medical, vision and dental insurance as well as life benefits. I suppose these are the perks of working for an insurance company. Progressive also offers paid training. Employees also may earn performance bonuses, and may take advantage of fitness centers and on-site medical facilities.
Those interested can visit jobs.progressive.com to apply.

Hurricane Irene Floods Homes

The Insurance Information Institute did a poll this year and determined that 14% of homeowners in the U.S have flood insurance.

The most common type of flooding that is covered by a standard homeowners insurance policy is flooding from a busted pipe, keyword busted; slow leaks that cause damage often are not covered as insurance companies will argue the cause of water damage was due to maintenance that should have been kept up with by the homeowners, even though sometimes the slow leak is somewhere inside a wall where you could have no idea a leak actually exists.

It was also reported that of the $14.5 million, auto insurance related fraud made of $11.9 million. Fraud is one risk taken into consideration by the insurance company when rating an individual’s auto policy. When a county shows a lower than average insurance fraud, this could possibly result in lower than average insurance rates for residents of this county. There are of course many other factors taken into consideration such a accident statistics in this county compared to other counties, age of the driver and each individuals driving history.

In 2009 Aiken County had a population of 156,017. Our last crime data we were able to come up with was reported in 2005. Crime data is also used to determine rates for auto, home, health and life insurance. Provided below is that data.

• Assaults: 208
• Auto thefts: 328
• Burglaries: 778
• Murders: 7
• Rapes: 53
• Robberies: 59
• Thefts: 1540

Aiken County Health Insurance

According to a study conducted by the CDC shows that on a score rating between 1 and 5, Aiken County is a 3.5 for general health. The reports also showed that over 70% of the residents exercised within the last month. However, with this being reported the average weight of residents is reported to be higher than the average.

The average weight of men: 198 lbs.
The average weight of women: 162 lbs.

With health insurance rates being as high as they are, exercise and good health is quickly becoming the one thing people can do to significantly reduce health insurance quotes and rates offered by companies. With a healthy body comes very little risk of health issues – not to mention a healthier more fulfilling life. Making lifestyle changes is difficult but can be very rewarding.

North Carolina’s Insurance Commissioner Wayne Goodwin is opposed the bill and explains how this bill will take some of the commissioners authority away, authority that any driver wants on their side. The state commissioner places caps on the rates insurance companies offer no allowing companies to charge to high of rates. One this bill goes into effect that authority will be taken away leaving the insurance companies open to jacking the rates up however they like.

So generally this may bring more insurance companies in that now can offer coverage since they are not held down by the rate caps. Just because there will be more competition, this does not mean the rates will be lower. Everyone will be competing while offering rates that are higher than what you pay now.

Goodwin said, “These proposals are pushed by out-of-state insurance companies who want to make more money off of North Carolina drivers. There is no doubt that car insurance rates will go up if any of these proposals becomes a reality. The insurance companies are trying to get the legal authority to charge you higher rates even if you have a perfect driving record.”

bucyrustelegraphforum.com

NC Auto and Home Insurance Comparison Rate Quotes Available

If you’re a safe driver, you should be able to get the car insurance you need at a cheap price. Whether you’re a young driver or a more experienced driver, by driving safe and keeping your driving record clean, you earned that affordable auto insurance rate and that should never be taken away from you. Whether this bill passes or not, if you experience a rate hike keep us in mind. We specialize in helping drivers compare rate quotes to find shoppers the North Carolina insurance coverage needed at a low price. We have helped drivers get cheap auto insurance in Charlotte, Raleigh, Greensboro, Durham, Fayetteville and surrounding cities throughout North Carolina.

Tip of the day:
Always insurance rates in mind when in the market to buy a new vehicle. Generally smaller and safely built sedan models will be less expensive to insure than larger trucks and suvs. Make sure to also review auto recalls associated with your vehicle to reduce your driving risk.

Resource: http://www.low-insurance.org/top/keep-low-car-insurance-in-nc/

This scheme netted this group of fraudsters millions over four years. A total of 11 suspects were charged for what some call a victimless crime – which is far from the truth. As more fraud occurs, insurance rates increase. So in actuality everyone who has auto insurance may find themselves paying for this type of crime.

The investigation revealed that this Collision repair shop worked with Appraisers who would inflate the vehicle damage appraisals in exchange for kickbacks, some kickbacks being as high as $1,000.

Those arrested include:

Gary Cottrell, a 44 year old 15 yr veteran to the 14th district police department known to be a “wreck chaser” who would refer accident victims to University Collision Center.

Michael Wolf was a 52 year old attorney out of Phoenixville, Chester County, who advised University Collision Center and also filed a number of phony personal injury claims.

Edward Hildebrandt was the owner of the Collision Center with centers in Gray’s Ferry and Manayunk with David Coleman, the manager. There were also seven car damage appraisers.

The seven vehicle damage appraisers included four from Philadelphia, two from Cherry Hill and one from Mullica Hill in South Jersey.

District Attorney Seth Williams says his office was contacted by State Farm Insurance Company on February 2010 regarding the operations at University Collision Centers.

Now booked into San Bernardino’s county jail, Cornejo’s bail is set at $400,000. At this time his arraignment is pending.
Between April of 2008 and March of 2010 authorities received several complaints from victims who stated that Cornejo collected premium payments from long distance trucking companies. Instead of turning over the funds to the insurance companies this guy would simply pocket the funds and provide these companies with fake certificates of insurance. Sadly these companies were never protected. Currently victim losses are approximately $38,000.

Cornejo did business, in San Bernardino and Riverside Counties, as Royal Insurance Group Services, Inc and TATEMAS Truck Insurance Services.

If you feel that you may be a victim should call the Investigation Division at 909-919-2233
insurance.ca.gov/0400-news/0100-press-releases/2011/release051-11.cfm

http://www.low-insurance.org/top/arrest-of-california-insurance-broker/

After negotiation an agreement was made with Blue Cross which would waive the normal restrictions with those dealing with preexisting conditions who move to the Blues’ special care plan from the AdultBasic. It’s been mentioned that the Blues’ plan offers much less benefits at a much higher price than the AdultBasic.

According to the Pennsylvania Association of Health Underwriters (PAHU), there are only a few solutions if the cost of AdultBasic rise with increases in demand:

1. The legislation will have to kick people out of the program.
2. Taxes will need to be raised on Pennsylvania citizens or businesses.
3. Money will need to be taken away from other deserving needs such as education.

One question I hear sometimes is, “why did my insurance rate go up, I haven’t had any accidents, tickets or claims?” Sometimes company earnings can also cause an increase in your auto insurance rate. Online research has shown that recently customers have experienced an increase with their insurance rates; this could be caused by many factors other than accidents, tickets, claims or even company profits. Anytime you move, add someone to the policy, add a vehicle, or get older – your rate can be affected. This is why I find it important to compare rates once a year.

Progressive Corp., the U.S being the 4th largest auto insurance provider in the States stated that profit has dropped 15% on investment write downs. The Company’s net income dropped to $211.9 million from $250.1 million in its 2nd quarter. Standard & Poor’s downgraded the auto insurer from AA+ rating to AA due to “Vulnerability to Earnings Volatility” from investment.

Paul Newsome, Sandler O’Neill & Partners analyst from Chicago’s mentions how the company tends to maintain a “modestly more aggressive investment portfolio.” The loss of $39.5 million was confirmed prior to taxes in the three months ending on June 30th of 2010 which was compared to the $15.9 million investment gain in 2009.

Distraction, Crude of Funny?

However others have found it to be crude and distasteful. I do try to see both sides of an argument. I see how some may not want to explain to little kids, what exactly those things are hanging under the neighbors truck. But then again, I have kids and they’ve never even thought to ask me what they are, I believe they think it’s just part of the truck; maybe a special hitch. Some people figure everything is becoming distasteful in American from radio and TV to they type of clothing people wear. So the question may be, “why should I have to see fake rubber testicles on the way to work? Isn’t there enough crude things in life we must deal with?”

How about the risks? Are there any insurance risks to having these hanging from your vehicle? What if someone hit you from behind and they flew off and hit some pedestrian in the face? Could that really happen? I’ve never put balls on any of my vehicles. Are they installed pretty securely?

Enforcement Zone

I’d really like to get your views on the whole fake testicle car accessory issue. Are you for or against them? Do you find them to be a distraction while driving on the road?

Leave a comment.
Resource: www.low-insurance.org/top/accessorylaw/