The Best Cheap All Insurance

Thursday, March 31, 2016

International Travel Health & Accident Insurance when Traveling Abroad

There are so many kinds when you’re traveling, the important thing is to make sure you’re covered just in case. Now if you’re talking about medical insurance the first thing you have to do is call whatever the carrier is that you currently get insurance from, see if you’re going to be covered for medical needs being addressed when you’re going to somewhere else in the world, is your medical coverage going to carry you? Other types of insurance would be do you need to have insurance incase you have to cancel?

Be very careful some insurance premiums that you pay cover for cancellation for any reason, some only cover for cancellation for medical reasons. You get this kind of insurance, well any kind of insurance if you buy insurance for traveling this type of insurance or a type like it will cover you for things like baggage, medical, transportation if you need transportation, let’s say you become very ill and you need transportation to a hospital, you need to be brought back to the United States it can get very, very expensive.

My own sister-in-law paid insurance just to go to Alaska to cover just in case, she had a heart attack during the trip the insurance covered her for everything her medical transportation, she got reimbursed for the part of the trip that she didn’t use and it covered for her medical expenses while she was there. They call it gambling I wouldn’t gamble with just in case it might not happen be prepared cover yourself make sure you’re taken care of.

What if I'm Arrested for "Auto Insurance Fraud" in Nevada?

Unknown at 12:39 AM No comments:

Here in the state of Nevada, automobile insurance fraud is prosecuted by the Attorney General's office. And it can encompass a wide array of conduct designated under NRS 686A. Automobile insurance fraud could involve falsely claiming that your car was stolen, when it was really just abandoned. It could involve claiming that you were injured in an automobile accident, when in fact, you were not. It could involve claiming that items were stolen from your vehicle, when in fact, they were not. We also see a lot of cases where someone may be charged with insurance fraud in relation to an arson, where a car is found. It was set on fire. And it's later alleged that the person who made the claim was actually the person that set the car aflame, or had somebody else do it. The penalties for automobile insurance fraud can include state prison.

With the difficult times being faced by many people here in Las Vegas, due to the economic circumstances, it could be that someone bit off more than they could chew, got a car that was more expensive than what they could afford. They lost their job. They can't make the note. They're worried about how this is going to affect their credit. And so it seems like a rather simple solution, hey, if my car is stolen, my problem goes away.

And in terms of how these cases have been investigated by the Attorney General's office, it can be very difficult for the state to prove actual fraud. Oftentimes, in terms of negotiations, if the party is willing to pay some form of restitution, these cases can be dismissed or, in fact, never filed at all. If you've filed an automobile insurance claim and suddenly you have private investigators from the insurance company calling you repeatedly, or knocking at your door, or law enforcement agents contacting you about your claim, don't talk to them. Call us here at the Las Vegas Defense Group and we'll help you navigate through this process, with the objective to avoid any charges being filed at all.

Tuesday, March 22, 2016

Is Travel Insurance Right For You?

Unknown at 3:52 AM No comments:

Let's take a moment and talk about whether travel insurance protection is right for you? Let me ask you the following basic questions. Can you afford to lose your vacation investment? Most of us work hard for our money and saved up so we can take a nice trip every now and then. So what if something does go wrong? Say an unforeseen illness or injury, a death in the family, or some other unforeseen circumstance that causes you to cancel the trip. Would you like to have that non-refundable trip cost back?

If an emergency occurred while you are on the trip and you have to cut the trip short. Can you afford the cost of a return airline ticket home? Do you know if your regular health insurance covers you when you are away from home? Does it provide coverage for you in foreign country? If you become severely ill or injured while traveling who would you call for assistance? Who would arrange transportation to get you home. More importantly, who would pay for it? A Medical Evacuation from overseas can cost upwards of $100,000 dollars or more. That's slightly more than my credit card allows. What If your bags get lost or you have to spend an extra night in a hotel because of weather-related delays? Can you afford to pay for additional lodging and meals?

If you answered 'No' to any of these questions, chances are travel insurance may be a wise investment for you. In the end...Travel insurance just might save you a lot of money. There are a number of reasons why you may want to purchase travel insurance. The most common reasons are peace of mind, protection from the unexpected, and concern over losing the financial investment in a trip.

Here are some so good examples as to why you may want to buy travel insurance:
You have to cut your trip short because of illness. You have to cancel your trip because a family member had an accident. Your flight is delayed overnight because of bad weather, and you need a hotel room. Your baggage is lost or substantially delayed. You miss your cruise departure because of weather-related flight delays. You need medical assistance while abroad. You have an auto accident in a foreign country and need legal assistance. You have to cancel a trip because your home is flooded or uninhabitable. You can't get home because of a hurricane, floods or other natural disaster at your destination. You may have noticed our online Policy Picker tool on our homepage. The Policy Picker will help you compare premiums and benefits of several travel insurance plans offered by the top providers in the industry. Give it a try, or better yet, just give us a call. We'll be glad to help you find a travel insurance policy that does what you need it to do for the best price.

Monday, March 21, 2016

Life Insurance Advice for a Young Family

Unknown at 3:23 PM No comments:

Young families have a lot of financial things to keep in mind in addition to with their goals might be, whether they want to have a home for the future, as well as, you know, daycare expenses and baby expenses. There's so much for young parents and families to keep in mind. He just turned two, and already we're hearing, "Is he starting school? Is he doing this?" and it's bit overwhelming. Key basics to keep in mind: a will and life insurance, so things are taken care of.

There's just so much out there, and me and my husband want to provide for our sons so much. College saving for your children, general savings plan They're all really, really important, and it's not going to happen unless you do it. It's about taking care of the now, and planning for your future. I think that many women carry a lot of fear about money Definitely watching our pennies right now is really important for our family. It's like putting pennies in a piggy bank. Instead of putting it in a little piggy bank where it doesn't really do much, you could be putting it towards a life insurance policy where you're helping their future.

People don't think twice about getting luxuries for their children, whether it's the best stroller or carseat, but there's another consideration out there which is with the Grow Up Plan. Just for a little bit of money, you can really get a lot of protection for your family. We need life insurance. We need to make a plan for the future, what we want to do. It's just so much to do. It's kind of like, you can relax and feel good that you're protecting your family.

In their 18th year, the policy actually doubles, so if you purchased a policy for $10,000, in their 18th year, it actually doubles to $20,000. The payments stay the same, so you get the benefit of purchasing the policy at a very young age and you have that same payment throughout your life. It's an endowment plan and it's in the only one that combines adult life insurance protection for yourself along with a college savings plan I've heard really good things about the Gerber College Plan.

Parents can set aside money safely for college and they know exactly how much money they're going to have at the end. It's not volatile with the economy so it's not invested in the stock market where you're going to have ups and downs you know exactly what you're going to have

If your child doesn't want to go to college, you'll have the money to be able to give them or use for a wedding, use for a house down payment without having any penalties. We're also getting life insurance. There is future guaranteed insurability for the child, so regardless of health or occupation, a child will have guaranteed to have life insurance provided they continue the policy.

Disability Insurance - Disability Can be Expensive

Unknown at 9:13 AM No comments:

It’s impossible to predict if you’ll become disabled due to a sickness or injury and unable to work, but it is possible to imagine how much your finances could take a hit. Statistics show that most people would find it difficult to meet their current financial obligations if their next paycheck were delayed. With Disability Insurance, you can rest easy knowing you’ll receive an income in case of a covered disability.

Coverage includes benefits that can help pay for total or partial disabilities, including disability due to pregnancy, recurrent disabilities, or organ donation. Disability coverage provides monthly cash benefits that can be used to pay mortgage or rent payments, utility bills, childcare, groceries, and more. It’s easy to see how this valuable disability insurance can help you replace lost income when you need it most.

Here’s an example of how the coverage might work. Andrea chooses $3,000 in disability coverage. Six months later, she suffers a disabling back injury and is unable to work for four months. After filing her claim, she receives cash benefits that can help provide an income to cover her everyday living expenses until she returns to work. You can’t predict if or when you will become disabled in your lifetime.

Insurance Tips - How to Pay For Your Pregnancy

Unknown at 3:05 AM No comments:

I'm Dr. Jill from Tampa, Florida here to tell you how to pay for your pregnancy. Well, fortunately, we're very lucky in this country and most of the time, if there's a financial need, you can get insurance when pregnant. So, there are a bunch of different ways to do this. One, if you have a job, and you have insurance, then that of course will pay for your maternity.

If you do not have a job and meet the financial requirements per state, then you can get on pregnancy Medicaid. Every state has it, you'll have to check with your local authorities on how to get on it, and then the other option of course is to pay cash. Most OB GYN providers do charge a cash fee with a discount to patients who are pregnant and need care. All of these things put together can help you have a safe and a paid pregnancy. I'm Dr. Jill from Tampa, Florida telling you how to pay for your pregnancy.

Friday, March 18, 2016

California Workers Compensation Insurance

Unknown at 4:46 PM No comments:

Whether your companies are based in Anaheim, Irvine, Mission Viejo, and engage in the construction industry, the retail, or wholesale sector, professional or consulting field, or one of the many different companies that make up the Orange County, California economy, one thing that is an absolute, is that if your company has employees, then having an Orange County, California workers' compensation insurance is not only a must, it is the law in California. Workers' compensation insurance provides coverage for your employees medical expenses and at least some portion of their lost wages, if they're injured on the job. Workers' comp.

Insurance is a form of state regulated no fault liability insurance, which covers employees medical expenses, lost wages, rehabilitation services, and death resulting from work related injury or illness. If an employee is injured in the workplace, regardless of fault, then they are eligible for workers' compensation benefits. When an injury occurs while performing one's jobs duties or conducting the employers' business, employees are entitled to receive workers' compensation benefits. Additionally, this coverage protects the employer from being sued by an injured worker, in most cases. PJO Insurance Brokerage has several markets for your Orange County, California workers' comp needs, and would welcome an opportunity to work with your company.

California Employment Practices Liability Insurance

Unknown at 3:42 AM No comments:

Whether your company's based in Anaheim, Newport Beach, Mission Viejo, or any other city in California, and has employees, then having an Orange County, California, EPLI insurance policy is a must. Employment Practices Liability Insurance, or EPLI for short, refers to an insurance policy, which covers businesses against alleged claims by workers, that their legal rights as an employees of the company have been violated.

In recent years, Orange County, California companies have seen the number of law suits filed against employees against their employers are on the rise, with the average claim paid approaching six figures. While the majority of suits are filed against large corporations, please be aware that no company's immune to such law suits and more small companies are seeing law suits being filed against them. Now, more than ever, small companies need this type of Orange County, California EPLI insurance coverage for their business, whether your company is a corporation, a partnership, or LLC. EPLI provides protection against many kinds of employee lawsuits, including claims of sexual harassment, discrimination or wrongful termination, to name a few.

Thursday, March 17, 2016

Arizona Workers Compensation Insurance

Unknown at 10:35 PM No comments:

Whether your Arizona companies engage in the construct industry, the retailer, wholesale sector, the professional consulting field, or one of the many different companies that make up the Arizona economy, one thing that is an absolute, is that if your company has employees, then having Arizona worker's compensation insurance is not only a must, it is the law in Arizona.

Worker's compensation insurance, provides coverage for your employees medical expenses, and at least some portion of their lost wages if they are injured on the job. Worker's Comp. Insurance is a form of state regulated no fault liability insurance, which covers employees medical expenses, lost wages, rehabilitation services, and death, resulting from work related injury or illness. If an employee is injured in the workplace, regardless of fault, they are then eligible for workers compensation benefits.

When an injury or illness occurs while performing one's job duties or conducting employer's business, employees are entitled to receive workers compensation benefits. Additionally, this coverage protects your employer from being sued by an injured worker, in most cases. PJO Insurance Brokerage has several markets for your Arizona worker's comp needs and would welcome the opportunity to work with your company.

The Best California General Contractors Insurance

Unknown at 4:39 PM No comments:

Over the past 10 years PJO Insurance Brokerage has been working with Orange County California general contractors on their insurance needs. It doesn't matter whether you've been Orange County California contractor for years or just starting your venture. PJO Insurance Brokerage has several markets who cater to the construction industry, including, but not limited to Colony, CBIC, Guardian, Mesa Underwriters, and Navigators, to name just a few markets.

In addition, we also have markets for hard to place contractors, such as roofers, framers and those that do track work. Besides coverage for general liability, we also offer additional coverages for Orange County California contractors, such as in the marine coverage, umbrella coverage, pollution coverage and workers comp.

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