No, Non, Yes: Auto Insurance Options If You Don't Own A Car

Car ownership is something that's considered necessary in most of the country. However, more areas are improving public transit and car-sharing options, allowing people who live in more central areas to ditch their personal cars. One issue that then confronts these people is whether or not to keep their car insurance. On the face of it, it seems like the insurance is not necessary. But there are reasons, other than convenience, that make having insurance still attractive.

Before, During, And After: Describing A Workplace Injury

As an employer, you need to write an accident report every time one of your employees is injured.  A good accident report has several sections, one of which is a description of the injury. The description of the injury should include these three things: The Sequence of Events Leading Up To the Injury This is where you describe what the employee was doing just before the accident. It's your prerogative to decide the level of detail to include, but you should at least include where the worker was, what they were doing, and any other thing you think is material to the injury.

Baby Boomer Disillusioned By LTC Insurance Plans? Hybrid Long-Term Care Insurance May Be Perfect for You

If you are of the baby-boomer generation and haven't begun planning for the expense of long-term care, then you need to start. Financial experts advise that everyone should enroll in an LTC insurance plan by the age of 60 even if they have no family history of chronic medical problems. Those who do have a family history of chronic health problems, including dementia, should find a policy much sooner. However, you may be considering rolling the dice and not obtaining an LTC policy due to fear that it will just be a "

Unexpected Ways To Lower Your Car Insurance

You've heard that having a good driving history and taking defensive driving courses will reduce your car insurance rates. These take time to develop, so you need to look for other ways to lower it. Here are four unexpected ways that you can possibly do so right now. Add Safety Features Your car may already have airbags, but what about other safety features? Now is the time to add them to your vehicle.

3 Tips To Save Money On Life Insurance

Although the last thing that you might want to think about right now might be dying, you should ensure that you and your family are prepared for anything. Luckily, there is one option that can make this possible: life insurance. Unfortunately, some people never sign up for these policies because they fear that they can't afford them. However, if you follow these three tips, you can keep costs at a minimum.

Understanding Total Loss: Steps To Take When Your Car Is Declared Totaled

If you've been involved in a motor vehicle accident, you may have just been informed by your insurance company that your car has been declared a total loss. If you're struggling to understand what this means, how it will impact you, and what to do after speaking with your insurance company, check out the answers to the two questions below.   What Does It Mean When Your Car is Declared a Total Loss?

Is Your Car Covered If You Lend It To Someone And They Wreck It?

Lending someone your car can be a good deed, but it sometimes is one you're punished for. Your friend or family member—whether their fault or someone else's—may end up crashing and wrecking the vehicle. You may think you can rely on your insurance or that they will be covered under another policy, but is that really the case? Who Caused The Accident? First, whether your friend or the other driver caused the accident needs to be determined.

Three Ways To Reduce Your Homeowner's Insurance Costs

Homeowners insurance can be somewhat costly depending on the policy coverage you choose. If you want to be able to save on your homeowner's insurance policy, follow the tips in the guide that follows. Have a Security System Installed The first thing you can do to reduce the amount you pay for your homeowner's insurance coverage is have a security system installed in your home. The insurance company will charge you less for your coverage because the security system will alert the authorities if anything happens to your home, which will reduce the amount of damage that can be done to the home or the amount of items that can be stolen from the home during a break in.

Three Life Milestones That May Affect Your Auto Insurance

Major life events can have a huge impact on your auto insurance rates. The effect is there for major life events that increase or decrease your perceived risk in the eyes of the insurer. Here are three major life events, and why they may impact your auto insurance rates: Graduating From College Your level of education may have an effect on your insurance rates. Your premiums are likely to go down when you graduate from college.

Insurance: Keeping Your Rates Low(Er)

If you are like many Americans, your life only works when you have a car. Keeping a car is expensive enough when you only have payments to make. When you add the expense of insurance, things can get out of hand. The average cost of insurance in 2014 was over $900 per year, a significant investment. To cut your vehicle expenses, you need to lower your insurance rates as much as possible. 

Options For Insuring A New Home Under Construction

If you have a new home under construction, you will want to purchase a home insurance policy even before construction begins. When shopping for insurance to protect your investment, consider the options available to protect yourself from liability and insure the structure and building materials on the site.  Standard Home Insurance Policy A standard home insurance policy provides coverage for building materials, including lumber and roofing shingles, that may be stolen from the property while your house is under construction.

Three Important Things To Remember When Living Near A River

For water lovers, living by a major river can be a dream come true. If you do choose to live near the river, here are three important things to keep in mind. Don't Live on a Floodplain If you are looking for a home near the river or are planning on building one, you'll want to steer clear of the floodplain. This area typically experiences major flooding during seasons the river is unusually high or when the water threatens to go above the flood stage.

4 Tips For Choosing A Health Insurance Plan

Having health insurance is definitely a high priority. Without health insurance, you can be left with extreme medical bills that can put you in debt, or worse, not allow you to receive the treatment that you need. If you are in need of health insurance, it's best to start shopping for a plan right away. Here are four tips to help you do this: Create a Priority List: If there is a specific doctor you want to see, write this down.

Things You Should Know About Full Coverage Auto Insurance

Has the thought of driving always made you feel nervous but now you are ready to give it a try? Before you start driving for the first time, it is important for you to understand why full coverage auto insurance is the most beneficial type to invest in. Take a look at the article below to find out why you should choose full coverage insurance for your vehicle. Financial Backup for Vehicle Repairs When You Cause a Collision

Need Home Insurance? Here's How You Can Save Money On Your Policy

Homeowner's insurance isn't something that you should do without. It is something that is designed to help protect you in the event of any claims that might arise. If you are in need of insurance and want to save money, there are three ways to do so.  When looking for a plan you should keep these all in mind.  If you own a home, it is essential to have a homeowner's insurance policy so you save money in the long run.

How Will Getting Married Affect Your Car Insurance Rates?

There are a lot of advantages to being single. Getting car insurance, however, is not one of them. Did you know that, statistically, married couples are less likely to get in car accidents than single individuals are? For this reason, a lot of auto insurance companies see married couples as less of a risk to insure. After getting married, it is normal to wonder how this will affect your car insurance rates.

Getting Affordable Life Insurance After A Skin Cancer Diagnosis

Being diagnosed with cancer can be frightening. Skin cancer is one of the more common types of cancer in the United States today, with an estimated one in five Americans developing skin cancer over the course of a lifetime. A cancer diagnosis can affect many things in your life, but obtaining affordable life insurance doesn't have to be one of them. Here are three things you need to know about getting affordable life insurance after a skin cancer diagnosis.

A Guide To Your Homeowner's Insurance Policy

When you need to be sure that your home and everything inside of it is cared for, you will need to do your best to acquire a homeowners insurance policy, from an agency like Coast Comp Insurance Agency, that works for you. There are a variety of plans that you can shop between in order to make sure that you are safeguarding what is arguably the most important investment that you will make during your life.

Mistakes To Avoid When Purchasing A Homeowner's Insurance Policy

A homeowner's insurance policy is an invaluable piece of protection. However, this is only the case if you have the right policy. Securing a policy that will be best suited to protect your home has a lot to do with avoiding mistakes during the purchasing process. Here are just some of the mistakes you want to avoid when shopping for a new homeowner's policy. Insufficient Personal Liability Coverage Personal liability coverage offers protection for property damage or bodily injury sustained by another person, where you or a member of your household is deemed to be the responsible party.