You are much more likely to become disabled during your work life than to die during your work life. Thus, disability insurance is very important to protect you and your family from financial ruin in the event of a disability. But, what happens when you insurance company denies your disability claim?
Short-term disability (STD) policies usually pay you for a short period of time, say six months, to help you during short-term illnesses or accidents. Long-term disability (LTD) policies provide coverage for longer periods.
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There are many ways that you can shop for auto insurance. You can shop for auto insurance through the internet, by making phone calls to various auto insurance companies and even shop for auto insurance through visits to offices and brokers in your local area. Through the comparison of the many prices that are available with the auto insurance plans that can be chosen from, it has never been easier to find affordable auto insurance for customers seeking coverage for their vehicle.
To find the cheapest auto insurance quote there are many methods that can be used. Read more…
My client notice water staining on his first floor ceiling. His home was a two story house. He is a building contractor and opened up the ceiling and found significant damage to the wood member and floor joists supporting the second story. All of this wood damage was hidden from sight before he opened up the ceiling.
He reported the claim to his homeowners carrier. The insurance carrier paid only $10,000 under a ”mold and fungi” limitation endorsement. The amount of the damage is significantly more than $10,000. I believe that the damage is so significant that it should qualify under another coverage – collapse. Collapse is an often overlooked coverage that can often trump limitations such as we have in this case.
As with almost all of my insurance cases, my client doesn’t pay me anything. If I win, the insurance company has to pay my fees and costs, and if I lose, I’ll work for free.
Are you going to be the more likely victim of vehicle theft than the guy next door just because you have a specific vehicle? What would make the vehicle thief decide to rather take your vehicle than that of the other bloke?
I have come across an interesting story in Rapport Newspaper in which it was revealed that two Toyota brands, the Hilux and Fortuner vehicles have been identified as the most sought after by vehicle thieves.
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Parents are trying to make the ends meet for getting insurance cover for their young drivers. The situation has been created due to the denial of the companies to offer any cover for the drivers under the age of 21 years. Even if they offer a policy, these young drivers are charged abnormally high prices for enabling them to drive the family cars. The good news is that a refreshing wave of insurance policy has turned the direction of the winds providing a much better and economical alternative.
A leading insurance company in the UK has recently launched a learner driver policy, which is available online, in cooperation with a specialist insurance company offering policies to the young drivers.
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