insurance

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the …

In preparation for your life insurance exam, we recommend the following in order to obtain the most favorable results.

Ask that the medical exam be scheduled for early in the day when possible, rather than the afternoon because:

  • Most people have lower blood pressure and pulse in the morning, before the day's activities (and caffeine in take) take hold
  • It allows you to fast (no eating or drinking) for 12 to 14 hours before the exam. If this is not possible, you should be very careful about what you eat or drink the morning of your exam. If possible you should only have water. YOU SHOULD CONTINUE ALL REGULAR MEDICATIONS REGARDLESS OF THE TIME OF YOUR EXAM.

Dietary Considerations & Fasting:

  • The best results are obtained when you watch your diet take for a few days before the exam, as we want favorable lab test results. You should avoid fatty foods, excess sugar, etc.
  • Optimal lab results are obtained when the blood draw occurs at between 12 and 14 hours after the most recent meal. These times optimize lipid and blood sugar results. Times outside of this can affect the total cholesterol, HDL, LDL and triglyceride levels, glucose, BUN, creatine, total protein, as well as serum albumin.
  • Caffeine. Do not have any coffee or other form of caffeine the morning of the exam, and as little as possible the day before. Caffeine, of course, can stimulate your heart and throw off various tests.
  • Alcohol. It is best to avoid altogether for a few days prior to the exam.
  • Salt. It is best to avoid altogether for a few days prior to the exam.
  • Water. Drink lots of water the day before and the morning of the exam, as this gives optimal urinalysis results. This will also keep you hydrated, which will make it easier for the nurse to take the blood specimen.

Clothing: You Should wear comfortable clothing. Especially comfortable shoes.

Exercise: While this may be counter intuitive, you should not exercise within 24 hours of the exam. Strenuous workouts within 24 hours can result in false elevated liver function tests and poor urine results. …

Everyone is entitled to their opinion which comes from their experience with a particular product, service, or in this case software package. In reviewing the remarks that were left about the OpenEMR software, it is the intent of this article to highlight a few things about OpenEMR and rebut a few things people have said the software did not do. The rating is on these five things:

Ease of use

Functionality

Product Quality

Customer Support

Value for Money

At the time of this writing, there are only 5 reviews showing on the site. I will be commenting on those.

Ease of use:

Two people gave the software five stars, two people gave one and a half stars, and one person gave 3 stars. If you look at the diversity of entries, you can see a wide range of business types that have tried the product. One out of the five is a billing service. The rest are practices. The billing service gave the lowest score of all five.

That is not a surprise as that the software is not really written for a biller but a biller can do the billing out of the software. So, OpenEMR does not have all the bells and whistles that MediSoft has. However, it is fully capable of getting the job done when it comes to billing. A biller may have to think a little more than when using another billing suite that has been around long and is dedicated to billing. But if the biller takes their time, they will find all the tools needed to keep the office flush with cash flow.

Ease of use is a tricky thing because that really speaks to the state of mind of a person. It’s like the rivalry between MAC and PC. Some people use MAC because it fits the way they think. Others use PC because it makes sense to them. Everything is that way in life and purchasing anything. So, for some, it will be hard for them to pick up on how the software work and others will get it right away. We have seen offices that never took a day of training from us and picked up and used the software right away.

Functionality:

There was only one that gave this a 5 star. On this one, let’s focus on two of the comments. Like least was this comment “Super slow and it doesn’t check insurance eligibility”. Let us address the super slow. Without more details, the speculation here is that the program moved really slow. In our experience, this comes from one or three things. First, the computer that the software was installed on did not have enough horsepower to run the machine. OpenEMR is a fairly large program and if it is placed an old slow computer it will run slow. Secondly, if the software is not configured for the software package, it will run slow. These have been the main two reason we found that when people report …

Today, organizations and individuals who do not shred their sensitive and private documents are putting themselves at great risk. Unfortunately, identity thieves and fraudsters look for sensitive information in such places as a dumpster. They not only use this information to steal a person’s identity, but they also use it to create credit cards and other financial tools in another person’s name in order to steal money. A document shredding service is an effective way to destroy sensitive documents. It is actually an important investment in your company’s personal and financial security.

There are many different types of documents that require shredding services in order to safeguard against theft. If you are planning on implementing a paper shredding program, below you will find the kinds of documents that require shredding services:

Individual/ Personal Documents: passwords, credit card and bank statements, any document with a signature, confidential documents, legal documents, lists of addresses, phone numbers, pre-approved credit offers, charge receipts, credit applications, credit card applications, insurance forms, past bank statements, social security numbers, expired charge cards, expired passports, visas, bills, and utility bill statements. As well, other important documents that should be shredded include: cancelled checks, debit card receipts, loan forms, sales forecasts, and identification cards such as employee, military, and college IDs, telephone bills, and old airline tickets. Basically, any paper item that has personal and financial information that you no longer need should be shredded.

Business Documents: account numbers, customer personal information, customer financial information, invoices, sales lists, sales orders, inventory lists, purchase orders, customer credit history reports, confidential documents, passwords, business policies, company by-laws, certificates, maintenance documents, any document with a signature, social security numbers, budgets, bank statements, account statements, expense statements, estimates rental or lease contracts, loan forms, and competitive documentation.

Employee Documents: health documents, resumes, records, contracts, benefits forms, retirement information, employee personal information, and discharge papers. Basically, any employee document is considered confidential and must be properly protected.

Legal Documents: incorporation documents, licensing agreements, court records for settlements and claims, patent and trademark information, severance agreements, expired contracts, expired service agreements, product and design information, research information, charts and graphs, and insurance information. Basically, any legal document that has been deemed confidential and sensitive should be shredded.

For all businesses, a paper shredding service is a valuable investment because it essential that the business, client, and customer information remains secure not only to protect them from thieves and scammers, but also for liability reasons. Companies can be sued if their data ends up in the wrong hands and damage is done to a particular party that the company was suppose to protect.

The benefits of hiring a professional shredding company to shred your documents are numerous. It is an effective and easy way to get rid of confidential information. You will rest easy knowing that your documents were permanently destroyed and no unauthorized third party ever viewed any of your sensitive data. In today’s data mining world where information is a precious resource, document protection …

All of the major insurance companies compete with the smaller companies on the market today, and their main weapon is offering cheap auto insurance quotes to anyone seeking a new insurance policy. With the economy being in such a fragile state, and unemployment at record highs, it is essential that you make sure you find the best deals so you can save money on your insurance.

Finding cheap auto insurance quotes can be a bit of work, although it extremely pays out to you in the end. It is important that you are shopping around for all of the best deals, as companies are willing to fight for your business.

There are also a few steps you can take to maximize your appeal to the insurance companies so they will not only want your business, but also offer you lower rates.

First off, you should always be up front with the representative to what you are speaking. If you have any tickets, accidents, DUIs, and the like on your record, it is better that they know that in the beginning than have them find out through the check of your driving record. If it's the latter that happens, they will only end up very suspicious. After all, you should have informed them of any things of special note in your record.

Second, you should be sure to take traffic classes in your area if available, as they can help reduce the amount of points and tickets on your license. This will show the insurance company that you are a responsible driver, as well as lower the rate that the will initially offer you for your monthly premiums. Few people realize the impact that traffic classes make on their premiums. This is unfortunate because taking up such a class is helpful in two ways: it earns you brownie points with your insurer. At the same time, you really do get to work on your driving.

Third, determine the maximum coverage that you will need to have on your vehicle on a daily basis to cover yourself in case you should total it. For example, you probably do not need full coverage on a vehicle that is paid off and worth only 500 dollars, as your deductible alone will be near this amount.

These are only some of the things you can do to maximize your appeal to insurance companies. Try them! You will not be sorry you did once you start getting cheap auto insurance quotes. …

Finding the best Arizona homeowners insurance rates has never been easier. This southern state that according to the United States Census Bureau has approximately 6 million people has many home insurance companies offering their services to customers in the market. In the following article you will be able to understand the Arizona home insurance industry a little better and see the many ways in which you save money on your Arizona home insurance.

Arizona Home Insurance Rates

Before you determine which would be a good rate if you live in the state of Arizona it is important to know how much the people around you are paying for home insurance. People in Arizona rank 38 out of the 50 states in the United States when it comes to home insurance and average promotions, meaning that people in this state are in the lower rankings of home insurance rates.

According to a survey made by the National Association of Insurance Commissioners, in the year 2005 the people of Arizona spent an average of $ 635 when it came to home insurance policies. Keep in mind that the national average for a home insurance premium was an estimated $ 764. Although people in Arizona are below the national average there is more that they can do if they want cheap rates.

Shop Around To Find The Best Arizona Homeowners Insurance Rates

The most important thing in order to find cheap homeowners insurance rates in the state of Arizona is to shop around thoroughly. There are many ways in which you can shop around, but in this article we are going to discuss the two main ways people can find cheap insurance in today's market.

The first way involves you looking in your local yellow pages for home insurance companies in your local area. Once you find a few of them then you can go ahead and visit them personally. The good thing about doing this in person is that you will be able to see the company work as it is. Once you get in the local insurance agency you will be able to tell how knowledgeable the agent is about the industry. Ask the agent any questions you may have about the home insurance industry and see how well his customer service is. You can also ask him about the company's history and financial ratios which are very important in determining the company's future.

The second way in which you can check to shop around involves the use of a computer and the Internet. Nowadays most companies offer their website pages to customers that desire to get a quote or simply know more about them. If you shop for AZ home insurance online make sure you visit enough Arizona home insurance company websites and get quotes from each one. This will help you compare between them and see which one is best for you. You can also lean towards online comparison websites. What these websites offer is more quotes from dozens …

The Condition of the Home

Insurers factor in general wear and tear on your home when setting a premium. They will inspect such things as the condition of the roof, porches, decks, and the integrity of the home's wiring system. Because new homes tend to be in better condition than older homes, some insurers will offer up to a 15 percent discount if your home is new.

The Construction of the Home

Certain types of homes are less expensive to insure because they are more resistant to damage. For example, a brick home is preferred because of its resistance to wind damage.

Safety Factors

Many insurers also offer discounts of approximately 5 percent for safety features such as burglar alarm systems, deadbolts, window locks, smoke detectors, and sprinkler systems. You may also receive a discount if your home is in close proximity to a fire department.

If There is a Smoker in the Home

Because smoking in the home greatly increases the risk of fire, some insurers will offer a discount of about 2-5 percent if no one in the home smoke.

Is the Home in a High Risk Area

Flood and earthquake damage is not covered by standard home insurance policies. Special supplemental catastrophic policies that cover these conditions are available, but can be quite costly. If you are currently covered against these catastrophes through a government plan, however, research coverage through a private insurer. It may actually be lower.

Type and Amount of Home Insurance Coverage Needed

Homeowner's insurance typically covers damage or loss to your home and its contents, but some packages also provide other benefits such as personal liability coverage if someone is injured on your property or theft insurance. Read the fine print. Prices and coverage can vary significantly between packages that appear similar. Make sure you get what you need and use what you get.

Your Desired Deductible

The deductible is the amount that you the policyholder must pay before your insurance company starts paying benefits. The higher your deductible, the lower your home insurance premiums. By raising the deductible, you can save up to 50 percent of the cost of your homeowner's insurance.

Loyalty to Your Company

Insurers will often reduce their rates if you buy more than one type of coverage such as auto and homeowner's from them or if you stay with them over a period of time.

Is There a Retiree Living in the Home?

If you are over the age of 55 and retired, check with your insurer to see if you qualify for a discount. Most insurance companies offer these discounts because retired people are home more and can spot fires sooner than working people and have more time for maintaining their homes. Some insurance companies will offer discounts of up to 10 percent to seniors who qualify. …

If you are a homeowner, you may need home warranty services. Various home warranty companies provide service contracts that can help you pay for appliance repair or replacement. There are many things you should know before you sign your agreement:

What Do Home Warranty Services Protect?

Most standard policies cover repair costs of your HVAC system, plumbing, electrical wiring, garage doors, kitchen appliances, water heaters, and other major components of your home. If you have an in-ground swimming pool or sauna, you can purchase add-on coverage for the maintenance of these items. You can also buy additional coverage for a well pump or duplicate appliances.

What Is Not Covered?

Typically, pre-existing conditions are not protected by home warranty services. Neither items are still under a manufacturer's guarantee, repairs due to homeowner negligence, or problems caused by mold. In addition, repairs resulting from natural causes, such as storm damage, are not covered through this type of warranty. In general, these warranties are not meant to serve as additional homeowners insurance. Instead, they serve as a way to help with general wear and tear on your home, within the scope of the policy.

What Is A "Pre-Existing Condition?"

When the home is inspected before the purchase of the agreement, certain items will be checked to determine if they are in proper working order. The inspector will work with the home warranty services provider to decide what issues are pre-existing in your home. This could include a dishwasher that is not in working order or a plumbing system that has yet to be repaired.

What If Appliances Are Older?

In general, as long as appliances are in good working order, there is no age restriction for protection. It is the responsibility of the homeowner to take care and properly maintain appliances during the period of coverage.

How Is A Claim Filled?

This will depend on your individual provider, but you can typically call the toll-free number located in your service paperwork to file a claim. You should be assigned an account or agreement number that you will need to provide to the service company. Make sure you contact your provider before you begin work on your home to make sure that it is reimbursable. There may be times when your provider will want to discuss repair options with your contractor before the work begins.

As a homeowner, it is a good idea to look into companies that provide home warranty services. Warranties can be a great comfort to many homeowners. However, it is important to know what is and what is not handled in your agreement. It is important that you do all you can to maintain your home in order to get the most from your agreement. …

Travel insurance policies come in different types of packages, with all manner of options and choices. It is designed this way for a reason, of course. You would not want to pay for cover that you are unlikely to need, or skimp on cover you should have.

A basic policy may be adequate, or you may find you’ll be more comfortable paying a bit more to obtain higher levels of cover, as needed. It often depends on where you plan to travel. Let’s say you plan to travel to a destination such as Madagascar, which has limited medical facilities. In the case of a serious medical emergency you may have to be transferred by air ambulance to another country for treatment. Therefore, you would be wise to pick a policy that offers the maximum cover for medical emergencies. It should also include cover for air ambulance and medical repatriation. If you check you may find that a very cheap policy does not include this cover.

You will need to decide whether to opt for a Single Trip or Annual Multi-trip policy. If there is any possibility that you may take more than one trip in a year the Annual policy is normally the best value for money. On many policies children are included free – which is a major saving for family holidays.

Travel insurance premiums normally increase depending on where in the world you are travelling. For example, the cost of travel insurance for a British citizen travelling to Europe would be less than if they were flying long-haul to a destination such as North America or Australia.

Most travel insurance companies offer different levels of cover so that you can choose. Paying a bit more for the next level should affect the amount the insurer will pay on a claim, or increase the amount of items covered. Pay attention to the amount of Excess (Deductible) included as it may be much higher on a cheap policy. (This is the amount you have to pay towards a claim). To keep the premium very low it is often the case that levels of cover have been cut or the amount of Excess increased.

When it comes to pre-existing medical conditions the cost may increase dramatically for serious pre-existing conditions, or the insurer may not offer cover at all. Most often though the average company will agree to cover a specific condition for an extra premium, or with the understanding that any claims related to the condition are excluded. This can be a bitter pill to swallow for those that are affected.

Unfortunately, it is a fact that travel insurance for seniors is usually more expensive because of the assumed increased risk of a medical problem arising – despite the fact that our seniors are probably healthier these days than they have ever been!

Winter sports (skiing/snowboarding) insurance can be added to a typical travel insurance policy for an additional fee. Other add-ons may include cover for activities such as:

  • Business

Driving without the minimum auto insurance coverage required by law in your state is an indemnity. So, you have to get it even if you do not like the idea. That's the law. But, is not there more to this fulfilling the requirements of the law? I'll talk about this here and also show you how to save much on your auto insurance …

The minimum is okay if you can live with the consequences. I know you're a very careful driver. You've taken courses in defensive driving and do know how to respond effectively. Good for you, but be careful. A single lawsuit could easily wipe out your live savings and mortgage your earnings for the rest of your life. Then it would be penny wise; pound foolish. If you're luckier, it could just be the loss of your car (That's really for the very lucky ones). But for those who are exceptionally lucky, they get away with it. They drive with the barest minimum coverage and nothing ever goes wrong. That's what everyone prays for. But just imagine for a moment that the worse case scenario happens to someone who took that position.

Others learn from them. They become examples to others in a very bad way. The necessity of getting the best coverage then becomes glaring to all you witnessed their misfortune. Folks who witnessed the devastation quickly adjusted their auto insurance plans for better coverage. If you still remain unconvinced that a wider coverage is a wise move, do a little in-depth thinking.

Insurance as a whole is offered in the hope that it will never be needed. It's one thing you buy with the prayer that you never have to use it. Even insurance companies thrive on the fact that the majority of insureds will never make a claim. But whether one in a thousand or million, claims are made. The question that makes this wise step for the insured is: "Who would be that one to make the claim." If you are the one, you've actually earned. But if you never make a claim, you paid a little price for some peace of mind.

At the root of this argument is the cost of additional coverage. But what if you could get much more for the same amount? How's that possible? It is obtaining and comparing quotes. Just visit at least three quotes (preferably those owned by insurance brokers), obtain and compare quotes for better coverage. Someone saved $ 2,200 on his policy. Such a person could easily get additional coverage and still have a good amount left. Although you may not get such savings, a few hundred dollars would go a long way, do not you think? …