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Medical Malpractice Stats For Your Consideration

Doctors and nurses who attempt to go without medical malpractice insurance are taking major risks with their careers. If you are a doctor or nurse and you are going without malpractice insurance, you may truly regret it if something goes very wrong with a patient. If you need any further encouragement to get insurance from a medical malpractice insurance agency, here are some malpractice stats to consider.  Third Leading Cause of Death: Medical Malpractice

Things You Need To Know About Commercial Auto Insurance

If you have company vehicles, then it's vital that you make sure they are properly insured. Not only do you want to protect these company assets, you also want to protect the rest of the business in the event an employee is in an accident while operating the vehicle. If the vehicle isn't properly insured, then the other driver can sue your company and cause major financial repercussions. The following can help you choose the right policy.

3 Coverages To Add To Your Home Insurance To Fully Protect Yourself

Did you know that every homeowner's insurance policy is unique and different from all others? This occurs because every homeowner has different needs with insurance and every house is different. When you are purchasing homeowner's insurance, you should make sure you know what your policy will cover and what it will not cover, and then you should make sure you add the right coverages to it to fully protect yourself. As you do this, you may want to consider adding the following three types of insurance coverage to your home insurance policy.

Worried Over The Security Of Your Vacation Home? 3 Tips For Selecting Insurance

When you own a vacation home, it's likely that you are worried about how you can best keep it safe both inside and out. Instead of simply locking the doors and hoping for the best, you need to make sure to get comprehensive insurance to help protect the inside of your home and make it far less likely for it to be broken into and will be reimbursed if it does.

What Exactly Is Dram Shop Insurance?

Dram shop insurance is a very specific form of liability insurance that's aimed at all types of businesses, clubs, and organizations that serve alcohol to patrons, guests, or members. The term "dram shop" is a bit of an old-timey term to describe taverns and bars. Thirty-eight states have dram shop laws in place that impose strict liability on businesses that serve visibly intoxicated persons who subsequently proceed to injure someone while in a drunken condition.

Does Car Insurance Cover Damage Caused By Rodents?

It is almost impossible to keep all rodents and pests away from a house, and this means that there is always a chance that rodents will get into the engine compartment of your car and destroy things. Rodents are known for chewing through wires and other parts, and they can cause a lot of damage. If you have car insurance, though, it may cover the costs of damage caused by rodents, so here are a couple of things to understand about using car insurance for this purpose.

Tips For Getting A Title For Your Utility Trailer

If you have a utility trailer or if you are thinking about buying one, you could be wondering about the titling process that goes along with it. Getting a title for your utility trailer doesn't have to be a big challenge. In many cases, it's relatively easy to do. The following tips should be able to help you get started with getting the title that you need. Make Sure Your Utility Trailer is Compliant with Local and State Laws

Homeowners Insurance: 3 Mistakes To Avoid When Buying A Policy

Purchasing homeowner's insurance is an important part of being a homeowner. If you have a mortgage on your home, your mortgage company will likely require you to carry a policy, but even if you own your home free and clear, it is still essential to hold the right insurance policy. Whether you're a first-time home buyer making your first homeowner's insurance policy purchase, or you're planning on shopping for a new policy to replace your current one, you need to go about the process the right way.

When To Report Changes To Your Homeowner's Insurance Agent

How long has it been since you've updated your homeowner's insurance policy? Many homeowners make the mistake of setting up the policy, paying the monthly premiums and never giving it another thought. If you're one of these folks, you could be cutting yourself short on coverage—you may not get the payout that you need to rebuild and replace all of the belongings in your home. Here, you'll find a few instances in which a call to your home owner's insurance agent is warranted.

DBA Insurance 101

Any American company that serves as a contractor for the United States Department of Defense on their overseas defense bases in a specific capacity must have adequate insurance to protect their employees, both Americans and local nationals. This insurance is called Defense Base Act (DBA,) which was enacted right before the start of American involvement in World War II in 1941. Over the years, the act has been amended several times to include other employees, such as infrastructure builders who work on behalf of the federal government.

Embarking On A Career As An Insurance Agent? 4 Tips To Help You Get Off To A Good Start

If you're in the process of becoming an insurance agent, be prepared to put in some hard work. Becoming a successful insurance agent takes time and effort. Now that you're on your way to becoming an insurance agent, here are some tips that will help you enjoy a successful career. 1. Get All the Training You Can When it comes to being a successful insurance agent, you've got to get as much training and education as possible.

Mandatory Auto Insurance Coverage

Before getting behind the wheel of any car, you should ensure you have at least the minimum insurance coverage mandated by the government. This minimum coverage varies by state, but the following four examples are the most common ones. Liability Coverage Liability coverage is mandatory in all states except New Hampshire. Liability coverage pays for the damages and injuries you may cause to others while driving. This is what ensures that you don't have to dig into your pocket to pay a pedestrian's medical costs when you accidentally knock them down on a foggy evening.

Tips For Keeping The Cost Of Your Auto Insurance Affordable

Auto insurance is just one of those things we are stuck paying for as long as we own vehicles. However, that does not mean that you have to be stuck paying over the top prices for your policy. To help you save as much money as possible, you will want to spend a few moments reviewing the following information: Stick With One Company If you are a homeowner, you likely have home owner's insurance.

First Time Buying Home Insurance? 4 Tips To Help You Keep The Costs Down

When you own your home, you have no choice but to pay for homeowners insurance. However, you do have a choice about how much you pay for your insurance. If you're in the process of buying your first home, it's time to start shopping around for the best deal on a homeowners policy. Here are four steps you should take to keep your premiums affordable. 1. Always Ask About Discounts

Outdoor Improvements To Reduce Your Home Insurance Rates

Your home insurance rates are based on a lot of factors, some of which involve your surrounding environment. If you want to improve your home and reduce your home insurance premiums, there are a few improvements you may want to prioritize. These are improvements that reduce your overall risk as well as your insurance expenses. Privacy and Safety Fencing Privacy fencing around your home reduces the chances of intruders, while safety fencing around a pool can reduce the chances of a harmful accident.

3 Fast Tips For Lowering Your Insurance Costs

If you want to lower your monthly expenses, one place you should consider starting is with your auto insurance costs. These can get pricey unless you're mindful of the things you do. The good news is that there are many ways to decrease the overall cost of your car coverage when you just know what to do. Being aware of fast tips to help you get immediate results can be extremely helpful in lowering your premium.

Should You Hire A Public Adjuster When Filing A Homeowner's Insurance Claim?

Whether due to a fire, flood, or vandalism, you may be able to recover your financial loss by filing a homeowner's insurance claim. You can file a claim on your own, but hiring a public insurance adjuster to represent you may be of benefit. Here are a few reasons to consider hiring a public adjuster at some point throughout the claims process: You're Facing a Large Loss Facing the possibility of a big financial loss is one good reason to consider hiring a public adjuster to help you file a homeowner's insurance claim.

3 Things To Know When Insuring A Vehicle With A Salvage Title

Purchasing a vehicle with a salvage title can be a good move in some cases; for example, it could be a good way to buy a nice vehicle for a fraction of what you would pay for it otherwise. In other cases, you might own a vehicle that is "totaled" in an accident but might find that having it repaired is a good move for you. In either case, one thing that you have to worry about is insuring the vehicle.

Driving For Money? Here's How To Make It Legal

The sharing economy has presented many private citizens with the ability to rent out their time, homes, or possessions to make a few extra dollars. Arguably, this is great for both buyers and sellers, since it allows for a greater range of options to make and spend money. But if you find yourself selling services in the sharing economy, you may wonder what the legal implications are. For rideshare drivers, that is a reasonable concern.

Do I Need To Insure My Solar Panels?

After you have invested in your solar panels on your roof, you may have a few questions. Will your solar panels be insured under your homeowner's insurance policy? Will you need to purchase more insurance for your solar panels? The best way to find out is to call your insurance provider, but there are some general rules for whether your solar panels will be covered by your insurance. You May Not Need Insurance

Information That's Helpful To Know When Insuring A Newly Purchased Vehicle

When you buy a new vehicle, the time to insure it is before you climb behind the wheel. Whether you are driving it off a dealership lot or from the driveway of a private owner, it's important to understand the coverage your existing auto policy provides. Grace Period If you are buying a vehicle from a dealership, you usually have to show proof that you are currently insured. Depending on the specifics of your policy, your new vehicle may be covered temporarily.

Your Teen's Distracted Driving Can Raise Your Insurance Rate

Distracted driving is a huge issue these days–particularly as related to the causes of teen driving accidents. Recent findings from a study analyzing 1,700 crash videos showed that distraction played a role in 58 percent of the accidents involving teen drivers. Shifting attention away from driving not only puts your teen driver at risk, but it also puts passengers and other drivers on the road at risk. Additionally, an accident caused by distracted driving may significantly increase the car insurance rate you pay as well.

Life Insurance Issues To Think About When Buying Your First Policy

At some point in your adult life, you might start to worry about how your family would survive financially if you suddenly passed away. It can be sad to think about, but luckily, a life insurance policy can help you protect your family's financial situation in the future. Before you purchase a policy, consider the following. Getting the Right Policy Type Term-life and whole-life might not mean anything to you right now, but those are the types of policies you're most likely to buy.

Some Things You Should Consider Before Getting Your Auto Insurance

In the past couple years it has become more common for insurance agencies to advertise their services based on price rather than services or coverage of the policy. The problem with this is that there are different insurance policies and scope of coverage that many people are failing to even look at. Instead, once they get a low quote, they are ready to sign up with that agency, even though they may not be getting the coverage that they believe that they are getting.