Cheap Car Insurance: Low Cost for Big Purpose

Cars have become the necessity these days to fulfill our daily requirements. We need car to fulfill our personal needs as well as professional needs. Unfortunately, despite of safe driving accidents happens. You are a competent driver who follows all the traffic rules but you can’t say anything about the other vehicle drivers on the road. By utilizing cheap car insurance you can become tension free.

Your car is not only prone to accidents but some other factors also may affect its beauty like fire and vandalism. Sometimes, your car can become an easy victim of car thieves. It really hurts when some hooligan get away with our favourite and beautiful car. In these cases also cheap car insurance is worth having. If you want to opt for it, then you can choose among three levels of cover for cheap car insurance, i.e., comprehensive insurance cover, third party fire & theft car insurance and third part insurance. All the three insurance types would secure your beautiful car against fire, theft, attempt of theft, vandalism and road accidents. Different benefits with the insurance may vary from company to company.

There are multifarious car insurance benefits. You can get lifetime guarantee on all paint and bodywork repairs and also free courtesy car while your car is being repaired. These days, most of the companies provide 24 hours claims helpline. You can ask for accident claim any time you want. Many additional services are also available with cheap car insurance. Companies may provide immediate authorization of repairs and some cover for personal belongings, clothing, car audio etc. You also can get cover for medical expenses sometimes. Some insurance companies offer free helplines for post-accident counseling, medical advice or legal advice.

Nowadays, you can enquire about various cheap car insurance benefits online also. People are using Internet for getting answers related to cheap car insurance. You can enquire about various plans and choose the insurance plan according to your need.

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About The Author: The author is an expert in car insurance, breakdown cover, van insurance and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.

Tips for buying individual health coverage

There's strength in numbers, particularly when you're buying health insurance. As part of a group plan, you can enjoy a significant discount on premiums as well as comprehensive policies.

But if you leave that job — or start another one that doesn't offer health insurance — you may be surprised at just how expensive the same coverage is when you buy individual health insurance. ("Individual" means the insurance is not connected to a business or to the self-employed. You can purchase an "individual" policy that covers your whole family.)

In addition, there is no guarantee that an insurer will take you on. Individual plans are medically underwritten and the insurer may reject your application or attach exclusions to your policy if you have health problems. However, some states don't allow this practice and require that any insurer selling individual health plans must offer you a policy, no matter what medical problems you have.
However, your premiums are still likely to be substantially higher. People enrolled in individual plans pay premiums more in line with their expected health costs, so the premiums will be higher for those who are older or less healthy. To find out what your rights are, contact your state insurance department. You can find the contact information by selecting the state in which you live from the pull-down menu at the top of this page.
Crunching the numbers

Pricing is probably the most bewildering aspect of individual health policies, so it's worth your while to shop around. For instance, the premiums for similar products from different insurers can vary by as much as 50 percent for the same person. What's more, the rules and regulations about individual health insurance vary from state to state, making comparison-shopping difficult for the consumer.
If you're faced with finding individual insurance, don't let the confusion tempt you to go without. Even if you're healthy, you could fall off a ladder or have a serious car accident and be financially ruined. Plus, you'll lose your pre-existing-conditions coverage in most states if you go without insurance for more than 63 days.
Finding the right balance of coverage and cost can be challenging, but it's a necessity. So take your search one step at a time. The first step is to evaluate your needs and understand your health insurance options. For some, that may mean buying COBRA coverage from their former employer.

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Health Insurance

Young Drivers Are More At Risk Of Accidental Death

The Department for Transport have said that eight out of ten accidental deaths involving 15 to 19 year old men in Great Britain are road casualties. With figures like this it is easy to see why car insurance premiums are higher for young drivers than for more experienced road users. Information released by the Department for Transport shows that everyday four people are killed or injured in accidents which involve younger motorists.

In a research report published by the Association of British Insurers (ABI) it’s revealed that: “In the last few years, the proportion of young drivers killed or seriously injured on our roads has increased, while the overall number of deaths and serious injuries has fallen.” The ABI have joined forces with Brake, RoadSafe, the Parliamentary Council for Transport Safety and the RAC Foundation. Together the organisations aim to make young motorists safer on the roads.

Young drivers are far more likely to be involved in a serious road accident than older motorists. 17 to 20 year old men are almost 5 times more likely to be in an accident which involves casualty than 30 to 59 year old men. In 2005 almost 1200 young drivers were killed or badly injured on British roads, that’s more than 3 each day. Almost 1 in 4 passengers who have suffered serious road accident injuries were the passenger of a young driver at the time.

Because of these higher accident statistics car insurance companies can only offer young drivers expensive insurance deals. Younger drivers are over twice more likely to need to make a claim than mature motorists. But more shockingly, the average cost of each claim made by a younger driver is three times greater. The ABI have said that the two main reasons for young drivers having more accidents are a lack of experience in different driving conditions and “an inclination to take unnecessary risks.”

“Many young drivers have a poor appreciation of road conditions and are unable to adapt their driving style where necessary.” The ABI’s research report says. The report also states that less experienced drivers often overestimate their ability and safety on the road. Accidents are especially likely to occur when young motorists are driving at night, driving on wet roads or negotiating bends.

Driving at night poses a threat to young drivers because according to the ABI report: “Driving in the dark requires different skills from driving during daylight hours. Drivers are also more likely to be under the influence of drink or drugs at night.

Consequently, over 50% of accidents involving young male drivers that result in death or serious injury occur at night, compared with 35% for older drivers.”

The report also says that: “Young drivers double their risk of death or serious injury when driving at night.” Young drivers negotiating bends suffer twice as many accidents as older drivers and 40% of accidents which involve young drivers occur on wet roads. The report also says that young people drive 11% faster on average than more experienced drivers and “excess speed increases the likelihood of an accident.”

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Sarah Othman is an author of several articles pertaining to Car Insurance. She is known for her expertise on the subject and on other Business and Finance related articles.

US Employers Aren’t Paying Accident Insurance

It was recently revealed that thousands of workers in New Jersey are getting hurt at work and finding out that their employers have not taken out insurance to cover their injuries. The Star Ledger reported that the problem is a “small but growing slice” of the state's litigious system which pays out a total of $1.8 billion a year in accident claims.

Experts say that the uninsured workers are an unnecessary burden on hospitals, charities and other social services. It is posited by the paper that the US government is not doing enough to tackle the issue and that administration is slack. “An uninsured worker who files a claim for benefits faces a complicated, onerous court system where one in 10 such claims [will drag on] for five years.” An article in The Star Ledger says: “Lawyers openly say they are reluctant to take cases involving the uninsured because they and their clients rarely get paid.”

State officials are failing to adequately track cases and have only looked at 10,000 cases in the past 7 years. Shockingly, people who have applied to state funds which were established 20 years ago in order to get help pay for medical treatments rarely receive any money. Only 1% of those who have signed up receive funds are awarded it and it has been admitted by US officials that they cannot afford to pay out for the worst and most incapacitating injuries.

Criticisms are that the state is spending increasingly less time finding and punishing employers who fail to pay their insurance, despite the fact that audits are unearthing more than 25,000 employees without worker insurance each year. Two thirds of businesses in New Jersey are operating without insurance but little is being done to remedy the situation and this leads to lazy employers ignoring regulations and taking chances with the lives of their staff.

In the Star Ledger expose` Bill Burns who works for the state Department of Labor and Workforce Development said: "If [employers] do get caught, they attribute it to the cost of doing business.” But it is clear that for some workers the costs run far deeper.

One man was pleased when his employer agreed to pay him $13 an hour in cash to work as a carpenter. The man was up a ladder in October, 2004 when he slipped and fell. He caught his left foot on the ladder and shattered a lower bone in his leg. The accident left the man destitute and seriously injured; he also spent 5 days in hospital. The cost of the man’s treatment was $47,000. He then spent 4 months on crutches. Because he was unable to work and his employer had not insured him for accident cover, he was unable to pay rent and was evicted. He was then homeless.
Years after the man’s initial fall the case was still officially unsettled. However, more recently a civil court awarded the man $525,000 for an accident claim which he brought against his previous employer.

The problem for many people who are injured while working for uninsured employers is that the system is failing them and that the litigation process is long and drawn out. Accident claims are the only relief for employees who have suffered and these employees continue to suffer by having to deal with shoddy administration and a lack of interest from government agencies.

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Sarah Othman is an author of several articles pertaining to Claims and Insurance. She is known for her expertise on the subject and on other Business and Finance related articles. See www.accidentsdirect.com.

Medical Insurance for Canadian

One of the major concerns you have when traveling away from home is your health. When you are away from home, you never know if you might get sick or injured. If this happens, you will be faced with a bigger problem. The expense incurred from a medical emergency while away from your home country may not be entirely covered by your personal medical insurance plan. If this is the case, then you would incur the medical cost yourself and these medical expenses can be enormous. Worse, without medical insurance, you might not receive privileged care when you seek needed medical attention. For these reasons, it is important that you have proper travel insurance coverage that pays medical insurance expenses.

Travel insurance companies in Canada may not only provide medical insurance plans to travelers away from Canada. There are also medical insurance plans that cover emergency medical expenses for visitors in Canada. There are many Canadian travel insurance companies that offer emergency medical insurance for Canadians traveling outside Canada as well as Visitors traveling to Canada. Travel Insurance Quotes provides instant quotation and comparisons from the best Canadian travel insurance companies to ensure you have the most appropriate coverage for your travels. The result is that you can feel assured that you have adequate medical insurance whether you are a visitor to Canada or a traveling Canadian.

Emergency medical travel insurance can be purchased alone or in a comprehensive travel insurance packaged policy. These comprehensive travel insurance plans combine emergency medical, trip cancellation, trip interruption, accidental death, and baggage in one single policy. Comprehensive travel insurance policies provide many benefits;

1. Excellent Value – in most cases it is cheaper to purchase the comprehensive travel insurance package than purchasing each plan separately. You can save up to 60% of the cost of individual plans.
2. No Medical Questionnaires – Most companies do not require Seniors to answer medical questionnaires when purchasing a comprehensive travel insurance package. Normal pre-existing condition exclusions apply so please read the policy carefully before purchasing.
3. Simplicity – When purchasing a comprehensive travel insurance package your credit card will only be charged once, you will only need to deal with once insurance company if you need to file a claim, and you will only have one policy number to carry while you are travelling.

Most Canadian travel insurance companies offer comprehensive travel insurance packages to Canadian travelers. Only a few offer these comprehensive travel insurance packages to visitors to Canada. Travel Insurance Quotes will assist you in getting the best comprehensive plan for your travels.

Emergency Canada medical insurance can be purchased for a single trip only, or annual policy can be purchased. Single trip emergency medical plans are only good for the trip duration that you indicate when you purchase the policy. If you stay longer you can extend the coverage as long as you haven’t had a claim and the original policy has not expired. Annual plans cover you for an unlimited number of trips within 365 days. You need to indicate the number of days your trip lengths will be when you purchase the annual emergency medical travel insurance plan. If you need additional days than your annual plan will cover than additional ‘top-up’ days can be purchased to cover you entire trip. Annual emergency medical travel insurance plans are available for both Canadian travelers and visitors to Canada.

They are used for medical care that needs emergency medical attention. Medical check-ups is not necessarily included in the plan. Cases such as accidents or sudden illness can be good as emergency in nature. Emergency medical insurance can be purchased upon single booking of the flight elsewhere. But if you are frequently traveling outside Canada, it may be wiser to buy annual medical insurance plan. You just have to evaluate how frequently you travel in a year and compare it with how much you spend for single trip emergency medical insurance. You might find out that buying annual emergency medical insurance is cheaper. Contacting the personnel and staff of Travel Insurance Quotes should not be difficult.

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If finding the right medical insurance is your goal, Travel Insurance Quotes is just a click of the mouse away. Emergency Canada medical insurance can be purchased for a single trip only, or annual policy can be purchased.

Home-Based Business Owners, You Need Insurance Coverage

When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens - and it will - having insurance coverage may mean the difference between the success and failure of your home-based business.

You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future. Ultimately, after reading this article, the best way to determine your complete needs is to consult with your insurance agent. Explain to them the details of your home-based business and he or she should be able to determine the best insurance coverage for you (and any employees).
Health Insurance

Health insurance should be the first consideration for yourself and any employees you may have. If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage. This will keep you covered while you search for the best health insurance policy.
Disability Insurance

Disability insurance will guarantee that you have some income should you suddenly become unable to work because of injury or illness. Having this extra peace of mind is almost always well worth the extra money you pay.
Life Insurance

Life insurance will help ensure that your family has the money it needs should you meet with an untimely death. Some lenders require that you have life insurance before they'll issue a loan; this guarantees that the loan will be repaid if you meet with an untimely end.
Business Property Insurance

Business property insurance helps protect you against loss of inventory or equipment. If your business equipment or inventory is damaged in a flood, fire, or other disaster, this type of insurance will allow you to recoup your losses.
General Liability Insurance

Comprehensive general liability insurance is necessary for your home-based business if you plan on having clients or customers visit your home. Whether you plan to hold meetings, allow customers to pick up merchandise, or have members of the public enter your home for any other reason, this insurance will protect you if someone is injured while on your property. This insurance will typically pay for your legal defense should you face a lawsuit as the result of a fall or other damage that occurs on your property.
Business Interruption Insurance

Business interruption insurance will help your business recover from natural disasters. It will cover you for income lost during the disaster, and will pay for operating expenses that continue to accrue, even though your business isn't up and running.
Workers’ Compensation Insurance

Workers' compensation insurance is an absolute necessity if you plan on having employees working out of your home. Without workers' comp, you'll be responsible for any medical expenses arising from injuries employees sustain while working for you. Many home-based business owners mistakenly believe that this type of insurance is only required by businesses that have a retail or separate location, but that's not the case. Another mistake is assuming that only ‘dangerous’ employers (such as construction or movers) need this type of insurance. But what if your employee slips on the stairs or their chair breaks? While those are both unlikely, they are possible and the less risky your business, the cheaper the insurance will be.

These insurance plans can help ensure that you are prepared to face any eventuality that might occur while you are running your own business. Disasters, accidents, and crises can strike at any time. By preparing now, you may be saving you and your company significant financial loss, wasted time, and difficulty.

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Car Insurance Prices And Vehicle Seizures Soar To Record Levels

A report by Sainsbury’s Car Insurance Index has shown the average car insurance premium increased by 5.24% in 2007, and Admiral increased their average motor premiums by more than 5% over the course of 2007.

Motorists aged 40-50 suffered the worst with their premiums rising an average of 7%, with the under 25’s rising 6.59%, compared with the over 65’s who saw the lowest rise of 4.14%.

Men also continue to pay more for car insurance than women, with the index showing them an average of £535.35, compared with £435.38 for a woman.

Joanne Mallon, Sainsburys Car Insurance Manager, said “Premiums continue to rise, which makes it all the more important to shop around for competitive insurance.”

With the prices continuing to rise, another report from the AA has shown the number of vehicles seized by the police almost doubled over the space of one year. The total number rose from 78,000 in 2006 to 150,000 in 2007. Nowadays up to 9,000 cars a month are found to be uninsured and are being clamped or seized, with the figure expected to rise to over 100,000 a year.

The AA also said that there were an ever-growing number of top-of-the range cars being seized. Edmund King, AA president said: “Some motorists feel that driving top-of-the range cars mean they are less likely to be stopped. This may have been true a few years ago but cameras do not discriminate.”

The steep rise of motorists being caught has been due to the increased use of automatic number plate recognition (ANPR) cameras by the police.

Vans equipped with ANPR technology can instantly spot any vehicle using the roads without up to date tax, with each van scanning up to 10,000 vehicles a day. Bethan Beasley, member of the DVLA’s wheel clamping unit, said “We routinely find such vehicles have no insurance or MOT and the best thing to do is to immobilise them or get them off the streets as soon as possible.”

Owners of clamped vehicles are subject to an £80 release fee, and impounded vehicles not claimed after seven days could be crushed. In 2007, 40% of cars seized were not reclaimed.

There are various factors behind the continuing rise in insurance premium prices. The UK’s road safety record has steadily declined since 2001, with an inevitable impact on prices, however the AA say road safety trends are not solely responsible for the increases. New cars designed to crumple on impact to protect passengers carry with them high repair costs, and also the number of motorists willing to make personal injury claims for minor injuries is increasing.

Despite the 5% rise consumers prepared to spend time finding the best quote, comparing prices from a range of insurers, can still save money. Some motor insurers offer large discounts to customers as they plan to increase their share of the market.

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Drew is an author of several articles pertaining to Car Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.