The Property Casualty Insurers Association of America (PCI) continues to provide simple steps home and business owners can take to prepare for hurricane and the summer storm season by issuing the fourth brochure of its “Six Steps To Storm Safety In Six Weeks” series. The third brochure, “Three Ways In Three Days,” provides three simple and effective storm-proofing techniques that can easily be done in a weekend. They include: · Taking a walk around one’s…
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Who will pay? Liability insurance for special events
A standard homeowners insurance policy protects more than a house and possessions, it also offers liability protection from accidental damages involving other people—such as a guest injured from a slip and fall or a sliced ball on the golf course that nails someone in the head. When it comes to insurance for special events, the liability issues can become a lot more complicated—whether it’s a wedding, a fundraiser or even a bridge club game. In…
Read MoreThings you didn’t know your homeowner’s insurance covers
You know your homeowner’s insurance will pick up the cost of repairs if your roof sustains hail damage, but did you know it would also cover damages caused by meteors, airplanes and pieces of space junk falling from the sky? Homeowner’s insurance doesn’t just pay for typical events that could happen to and at your home. Chances are, your policy will also cover you in the event you should become the unfortunate victim of an…
Read MoreExtreme health risks, common causes
A whole variety of health risks lie in wait in places you come in contact with throughout your everyday life. There may be very little you can do to spare yourself from falling prey to the common bacteria and viruses colonizing on your skin, in your bathtub, at the pool, the doctor’s office and in the nasal membranes of your coworkers… but in most instances, good hygiene is the only barrier that stands between you…
Read MoreAre your auto insurance rates at risk by driving on prescription drugs?
Chuck Hayes, a retired Oregon State Police officer, figures that at least half of the motorists on the road today are driving impaired and most of them have not touched a drop of alcohol. Hayes, a drug recognition expert and regional operations coordinator for the International Association of Chiefs of Police, says most of those driving impaired are taking prescription medicine as directed by their doctor. “People today are taking a lot of medication in…
Read MoreTop 10 safest cars for 2012 based on insurance rates
While record low fatality rates indicate that today’s cars are safer than ever, the latest crash test results confirm that some models still do a better job than others at protecting their occupants in a serious collision. And the best of them can help prevent their drivers from getting into accidents altogether.Top 10 safety/insurance rated cars for 2012All models feature standard front, front-side and head protecting side-curtain airbags for all outboard riders; other safety features…
Read MoreAre you protected from New Year’s Eve dangers?
The year’s final hours usually are filled with parties and popping champagne corks. But New Year’s Eve can hold a host of dangers for those who don’t ring in the new year responsibly. “With a little awareness, everyone can have a safe and happy holiday,” says Tom Heitz of the Santa Clarita, California-based Heitz Insurance Company. “If you’re going to serve alcohol, you have to be extra cautious.” A major safety issue for the…
Read More10 Common Auto Insurance Questions
While television ads may make the process of obtaining coverage and getting the lowest rates seem as elementary as a 15-minute phone call, auto insurance is a complex subject. As an “Insurance Literacy” survey conducted by Zogby International for MetLife Auto & Home found, many consumers harbor major misconceptions about their auto insurance policies and premiums. To that end, we contacted industry experts for answers to some of the most common – and often misunderstood…
Read MoreWhat will you die of…today?
The 1957 Popular Science article “What Will You Die Of?” said the average 45-year-old American is “about the luckiest man alive—just because he is alive.” It then went on to say that odds of that same American living until he was 65 were just one in three. In the years following this article, major medical advancements unfolded: The Internet was discovered and utilized as an important communicative tool; the first heart bypass surgery was performed…
Read MoreThe 10 most horrifying health care statistics
What’s so horrifying about health care? For those that have health insurance, the future of health care is sketchy, especially when it comes to recent changes in health care reform. For those that don’t have insurance, getting it may be easier, but quality of care is still largely an unknown. And still, we are not certain how much the new reform is going to cost all of us in the public and private sector. Consumer…
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