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Insurance News

What Is A QLAC?

September 19, 2016

What Is A QLAC?

Social Security was without a doubt not made up to be the only source of income for retirees, and in these modern times Social Security serves as about 38% of a widespread retiree's income source. But Americans are living much longer these days, and their longevity oftentimes wears down their other income sources, making it more challenging for retired people to make ends meet as they grow older. This hurdle increases seniors' possibility of running out of earnings in retirement and triggers Read More

Florida Auto Insurance Scams

June 1, 2016

Florida_Auto_Insurance_Fraud

Are Florida Auto Insurance Scams Increasing Insurance Premiums? Even if you are never directly involved with insurance fraud, if you are a Florida resident, it still impacts your Florida auto insurance rates. Florida auto insurance scams put innocent people in danger, slows down the efficiency of honest insurance claims and increases our Florida auto insurance premiums. In some states, fraudulent activity impacts as many as 33% of auto insurance claims. The National Insurance Crime Bureau Read More

Florida Auto Insurance: 8 Points

May 26, 2016

If you live in Florida, and you own a car, then dealing with Florida Auto Insurance is just a fact of life. While your Florida auto insurance policy may not be on your mind on a daily basis, if you are most people, it enters your mind when you receive your auto insurance bill. It is important that you understand the auto insurance coverage you have so that you possess the insurance coverage you think you have if you have an insurance claim. Because of this, here are eight important aspects of a Read More

Florida Auto Insurance: Is it Increasing?

May 17, 2016

In Florida, in which the majority of residents operate vehicles, is dealing with a prevalent increase in auto accidents. And as a result, this naturally brings about more auto insurance claims. One of the inquiries we receive frequently as a Florida auto insurance carrier is, "Why is car insurance increasing if I have not had an incident or a speeding ticket?" All insurance plans including those provided by Florida auto insurance companies are developed to spread the risk-- and for this Read More

Cash-Value Life Insurance For Wealth Building

May 10, 2016

Have you ever thought about using life insurance for wealth-building?  It is something that more and more high-net-worth people are using to stack the deck in their favor when it comes to increasing returns and lowering their taxes. If you are using a typical savings account to park your cash while you are saving for big expenditures such as weddings, educations, and automobiles, you are foregoing the benefit of the higher yields that cash-value life insurance policies can offer. Given that Read More

7 Rental Car Insurance Secrets

May 5, 2016

Have you ever rented a vehicle? If you have, then you have been cautioned by people at the rental car counter concerning the possible impacts of driving without getting their rental car coverage offerings. This article sets out to clarify rental car insurance secrets they don't want you to know about. If you are like many people, you might not feel certain about just specifically what your present auto insurance includes. And that's specifically what rental companies are counting on so they Read More

2 Common Mutual Fund Misconceptions

April 13, 2016

Mutual Fund Investors Are Stunned When They Learn About These Mutual Fund Misconceptions During the last five decades, the mutual fund/ financial media market has progressed to be a monster, standing at 8.3 percent (or just about $1.3 trillion) of U.S. gross domestic product. There is presently about $13 trillion of investor's cash under control by the mutual fund industry. In order for this engine to function, it calls for our money. Because of this, we have been conditioned to accept Read More

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Lisa Faina, CIC, LUTCF

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  • While the chances are slim, have you ever thought about how your insurance policy would protect you in the event that you were hit by a stolen vehicle? Just how would it work? It is good to educated yourself so that you understand. After all is the owner of the vehicle obligated to cover your damages? Effectively, the simple answer is no. The reality is that there is likely no obligation when it comes to the car's owner the second the injury is caused by illegal usage, such as theft. Thus, the owner's liability insurance coverage would not apply to the damages to your auto, due to the fact that there is actually no legal liability on the part of the owner. That is why when it comes to an instance like this, it is important to understand that there are optional insurance coverages accessible to you and it gives you an understanding of why it can make sense to carry supplementary insurance coverages such as Comprehensive, Uninsured Motorist Property Damage (UMPD), and even Collision coverage. Comprehensive and Collision coverage are often required through your financial institution or leasing company assuming that you finance or lease your car. Comprehensive insurance protection relates to non-vehicle varieties of perils, such as hail, flood, collisions with animals and even theft. On the other hand, because it was not your car which was stolen, Comprehensive coverage would probably not apply for this circumstance. Instead, the collision coverage should apply, addressing destruction to your car arising from a wreck with another motor vehicle or object. The fault does not actually really matter where collision coverage is involved. Collision in most cases contain a deductible, that is a fixed amount of cost that you pay out before your insurer's duty to pay begins. For instance, supposing that your deductible were simply $500 you would pay the first $500 and then your insurance company would taken care of anything over that amount of money, up to the limitation of liability with respect to that coverage. In the case of collision coverage, the limitation is in most cases the lesser of the cost of repair, the fee of replacing or the actual cash value of your automobile. Some policies feature "caps" regarding collision recovery, hence review your policy carefully. The more costly your insurance deductible, the less you'll have to shell out for your insurance, but the lower the insurance deductible, the less you shell out of pocket if something occurs. This is simply another factor to bear in mind when looking over additional policy coverages. Even though the probabilities of getting struck by a stolen automobile are certainly slim, getting hit by an individual without insurance is not. Numerous people drive a vehicle around without being insured which is an additional detail to bear in mind when buying a policy. It is very important to be knowledgeable about situations such as this, as it is usually better to be prepared rather than to end up in a sticky situation.There are actually various kinds of additional insurance coverages available, including ones that include bodily injuries as well. Talk to your insurance company and ask questions like these to come up with the very best protection plan for you.What Happens When You Collide With A Stolen Vehicle?
    While the chances are slim, have you ever thought about how your […]
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