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What Happens If I Get Busted Driving Without Insurance in Oregon?

Thanks to the current flux of the economy and the fact that people are struggling to cut back in ways they’ve never had to before, the number of people out on the roads driving without insurance is climbing at a rapid rate. Those numbers are expected to hit seventeen percent or higher within the next two years-a frightening thought when you consider there were over 250,851,833 passenger vehicles registered with the DMV in 2007, and numbers have climbed by over 109 million since then.

 

Seventeen percent of that is over 42,644,811 cars on the road without insurance, any one of which can hit you at any minute.

 

The good news is, states are finally starting to crack down on car insurance compliance-and Oregon is leading the field. While many states have started implementing policies for drivers who decide driving without insurance is a good idea to continue to cruise the friendly highways (after paying a stiff fee, of course) Oregon is standing tough and cracking down on uninsured motorists.

 

When you register a vehicle with the Oregon DMV you’re required to show proof that you’re not going to be driving without insurance by producing documentation stating your car is covered under the Oregon minimum car insurance requirements. When the DMV gives you your registration it’s with the understanding that as long as the car is registered in your name it’s going to continue to be covered by those minimum requirements. Failure to do so constitutes a “breach of contract” (of sorts), and it’s punished accordingly.

Oregon Minimum Car Insurance Requirements

1.      $25,000 per person bodily injury and property damage liability,

2.      $50,000 per crash for bodily injury to others,

3.      $10,000 per crash for anyone else’s personal property that decides to get involved,

4.      $15,000 in personal injury protection (to cover “reasonable and necessary medical, dental and other expenses one year after a crash”), and

5.      $25,000 per person and $50,000 per crash in uninsured motorist coverage.

 

If you’re caught out on the highways without at least this much insurance on your car you’re going to be required to appear before a judge. If the judge finds you guilty of driving without insurance (as opposed to simply not being able to find your insurance card when the cop pulled you over) they’re going to fine you, and you may even have to pay to have your vehicle towed and stored and your driving privileges suspended for a year or more. And you can definitely plan on spending a ridiculous amount of time over the next three years producing proof of insurance in the form of your SR-22.

 

( The SR-22 is a form sent by your insurance provider that guarantees you’re not driving without insurance and, in fact, have purchased car insurance to the tune of Oregon’s minimum state requirements. It’s required after you’ve been convicted of driving without insurance, are applying to have your license reinstated after a DUI/DWI, you’ve been involved in an …

Should Your Practice Be Billing Codes For Telephone Consultations?

It seems these days as if practices are doing more and more patient consultations over the phone. A lot of this may be due to the current economic conditions and the fact that patients are trying to avoid having to come in and be seen and be charged a co-pay.

What ever the reason physicians are spending more time on the phone these days and are asking whether or not they can bill CPT codes for telephone consultations and get reimbursed.

Unfortunately, Medicare will not pay for patient consultations performed over the phone. In terms of other payers, you will have to check with them on a case by case basis.

If this issue has become a big problem for your practice and is absorbing a lot of your time, you may want to consider billing your patients for this service.

Telephone services are typically billed using two sets of codes added to the CPT index in 2008: codes 99441 – 99443 are for phone services by physicians, while 98966 – 98968 are for services by “qualified non-physician healthcare professionals.” Again, none of these codes are covered by Medicare but more and more private payers are starting to reimburse for this code so it is certainly worth checking with them to see if they will pay.

If you do decide to bill patients for these codes, here are five things you must know about these codes:

  • They may be billed only for “medical discussion” that IS NOT related to an E&M service that was provided within the last seven days and DOES NOT lead to an in-office visit within the next 24 hours or earliest possible date.
  • The phone conversation must be documented by the provider that took the call.
  • Though Medicare does not pay for these codes, both sets of codes have relative value units (RVU’s) assigned to them that you can use to help determine what fee you will charge your patients for these codes.
  • The patient must initiate the call in order for you to bill the service.
  • The codes are valid for established patients ONLY, according to the CPT guidelines.
  • If your practice is performing a significant amount of phone consultations, that revenue can add up over the course of a year and make a difference in your practice’s earnings.
  • If you are considering billing for phone consultations, here are some tips that should help you get paid:
  • Negotiate with private payers – The key is to document every instance over the course of a year that you provided a telephone consultation. The amount of consultations could be significant and show your physicians and other providers provided the service 120 times over a year. When you renegotiate your managed care contract, you can show the provider relations department of that payer the documentation supporting your 120 phone consultations and explain to them this is what you did. You can then ask the provider relations for an allowance from the payer for these consultations. If one payer

How To Start A Roasted Corn Business

Corn roasting is a simple yet very profitable small investment business. The successful corn roasters make full time living working just the summer months.

To start a roasted corn business you will need to acquire permits and business licenses from the health department and from the state. The following is a typical checklist to start your business.

1. Decide the size and the scale of the operation.

2. Decide on the menu for your concession business.

3. Purchase your equipment and tools.

4. Register your business.

5. Apply and obtain all the required licenses and permits needed to run a food concession business.

6. Secure events and have fun running your concession stand.

Permits, Licenses, and Inspection

Every state has laws governing business licenses and permits. Most likely, you will have to register your business with the state agency, so you can do business in the state. A tax ID number, business license number, and tax registration number can be issued to your business, depending on the state in which you are operating. You should verify with the city or county that the business location is zoned for that activity. You must have commercial liability insurance, both for your business and for your vehicle and trailer.

Health Department and Food safety

As a business owner and a food worker, you will be preparing food for other people. Contact the health department of your county or state to receive a copy of a food safety guide that will help you greatly in learning more about food safety. Roasted corn is considered a less hazardous food, but if you are going to sell potatoes and turkey legs you may have to pay higher fee.

Start-up Costs of a Corn Roaster Business

Brand new corn roaster with warranty: 10,000-$12,000.

Used corn roaster: $5,000-$8,000.

Additional equipment and accessories: $1,200-$2,000.

Used van or truck: $2,000-$10,000.

Food cost for first two events: $300-$1,000.

Event sign-up fee: $800-$3,000.

Fuel, utilities, and miscellaneous: $200.

Equipment Required to Start a Corn Roasting Business

A professional corn roaster, minimum 200-500 corns per hour.

Hot plate for melting butter

Steam table for storing cooked potatoes and turkey legs.

Two 20-lb. propane tanks

Fire extinguisher

Commercial quality tent

2 tables,

Hand washing unit (portable) very easy to assemble one

Mics. Little things

Google “Corn Roasters” and search for companies that will help you get started before buying the equipment if you are strapped for cash. One of the company Texas Corn Roasters help.

How to Find Events and Festivals

There are many sources for finding festivals and events, such as your vendor friends, the local Chamber of Commerce, auto racing, fairs and festivals, flea markets, rodeos, and theme parks. The Internet is one of the greatest sources for finding events. Many good sites provide this information. Always send a professionally done proposal with your application if you want to beat the competition.

Suppliers and Producers

Suppliers and produce wholesalers are your key to success in this business. You cannot afford to buy …

Public Adjusting Pros and Cons

Is public adjusting a scam? Sometimes it can be, but sometimes it can be beneficial. Here are a few tips about public adjusters in general.

1. Make sure you have a valid first party claim (a claim against your company, and not another’s). A public adjuster represents policy holders against their own insurance company only. They are supposed to be highly trained and in most States, they are required to be licensed, although in some States acting as a public adjuster is illegal. The main benefit to having an adjuster is that they will do the legwork and negotiation for you, and they will make sure you obtain the maximum benefit your policy provides.

2. Evaluate the potential value of your claim. The cost of using this service varies, but if you have a good and ethical adjuster the cost should be worth the benefit. If you have a claim that is valued at less than $5000.00, they should be ethical enough to explain the potential loss you would incur by paying for adjusting services. Most adjusters charge around 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the claim value, so a $5000.00 claim would cost you approximately $500.00. If they can’t increase your claim value by at least his or her fee, then it is only logical to assume the service they provide is not worth the fee.

3. Read up on the law regarding public adjusters in your State. If a license is required, make sure you check to see if they are properly licensed.

4. Ask to see the adjuster or firm’s liability insurance policy or a copy of a liability bond. If they don’t have one or the other, run.

5. Use your head. If the adjuster or firm won’t answer your questions over the phone, or they have solicited you, then think again. A good public adjuster builds his or her business on word of mouth, and not by monitoring catastrophe’s and soliciting victims of property damage.

6. Public adjusters cannot represent anybody for an injury claim, and they are not supposed to refer you to an attorney.…

5 Disadvantages Of Not Having Life Insurance

Not everyone believes in life insurance, since others think its main aim is to make money from you. Of course insurance is a business, but its business is taking care of you while you are here and your family after your death. Therefore, if you are not yet insured, here are some challenges you may face along the way.

  • High unforeseen costs

The whole purpose of life insurance is to assist you financially. In life, anything can happen to you the minute you step outside your front door without a warning. Most of us are aware that expenses always pop up when you do not have extra money. You can imagine not even being able to pay your hospital bills! Spare yourself the embarrassment of having to borrow money anytime something goes wrong.

  • Lack of peace of mind

Without life insurance, you always worry and live a life with limitations even for your dependents. Life insurance gives you one reason not to worry. Having dependents makes you always alert and guarded of what happens to them. Even after you die, it ensures that your loved ones are well taken care of financially; they continue with their education, maintain the current lifestyle and just cater for daily expenses.

  • Loss of assets

Majority of you have debts or loans that are secured by some of your assets. That is good for you, if you are insured. Otherwise, after your demise, there is a high possibility that the debt collectors will be visiting you residence soon. This means all the investment you had (assets) will be owned by these companies, until the outstanding balances are cleared.

  • Can be a burden to loved ones

Your loved ones deserve peace of mind as well. Without insurance, you risk burdening them financially. This could be hospital bills, mortgage bills, funeral expenses, school fees etc. which they them-selves had not planned for. Just when they think they are done with one sad event, they receive numerous phone calls from the banks, bills and even personal visits to talk about your debts for years. All this can be avoided by getting insured.

  • Lose investing your money

It will come a time when you will age and retire. Not everyone plans for his or her future and instead of choosing the best life insurance policies; you prefer having a savings account that you probably withdraw every now and then to cater for your luxurious life. The result is regrets of not investing while you had the chance. Moreover, financial institutions are likely to decline your loan application, because you do not have enough proof that you have a source of revenue.…

Horse Loan – Horse Loan Financing Options

It is said that a horse is the best friend of man. People who love horses know this for a fact. A horse is considered to be one of the most emotionally intelligent animals. If you are a horse lover, you would truly love owning and taking care of one. This is a passion for so many and until you purchase your own horse, this feeling will linger in the back of your mind.

No, horses do not come very cheap. Buying a horse and looking after it can cost you quite a bit. But compared to what you get in return, the expense is worth it. Many people do not know that horse loan financing is available through various financial institutions and you can easily obtain a horse loan from your bank but most use online lenders to fulfill their dream of owning a horse.

Going in for a horse loan from the bank is pretty simple but may take a few weeks to process and in the meantime, you will have a lot of paper work to to fill out. It is for this reason that over 95{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all horse loan applications are done through online lenders who process application much faster. In the meantime, It is imperative that you do your homework of identifying the horse you want to buy, checking out its ownership papers, insurance status and other matters pertaining to the horse. You would also have to be ready with arrangements for its living quarters, training, feeding and other domestic facilities in place.

Once you have done all of the ground work to buy your favorite horse, you may find that your horse loan application is still in processing and will take a few weeks. At this time, it is wise to apply online with several lenders to see witch lender offers the more favorable loan terms. The hard truth is that horses don’t wait for you and there are lots of people who pick up the best horses and take home everyday so have your financing in place prior to shopping for your new horse. Most horse loan financing comes as a cash advance, installment loan, no-collateral loan, or a 2nd mortgage. All of these lenders can easily be found online where an approval is faster with Cash advances being one of the more favorable loan types. You can use these funds as a down payment on your horse or to purchase it outright.

Now you step into the world of finances and scan the market to understand how cash advances work. There are many banks and financial institutions including credit card companies that give you cash advance loans. As the name suggests, cash advance loans are those loans which are sanctioned almost instantaneously or within a days time. These loans come in very handy when one requires instant cash. Many a times we face emergency situations that call for instant funds availability or in other cases you may come across an opportunity …

Starting Your Own House Clearance Business

Many of those who lose their jobs during a recession will find it tough to find another job and may start to think about investing in their own business with whatever redundancy pay they may have received. This can be a golden opportunity to become your own boss, but it takes hard work, determination and perseverance to make a new business successful and it rarely happens overnight.

It is always tempting when thinking about starting a business to do something you have always loved doing – make your hobby your job. But, sadly, in the majority of these cases the businesses just don’t succeed. This is mainly because they have been embarked upon with a personal bias and not from a purely business perspective. Whatever decision you might make about going it alone, that decision must always be a business one first and foremost.

The best approach to starting your own business is to research all those services or products that are required in both good and bad economic times.

A house clearance business is one such service that will always be in demand. More and more people are looking for this service sometimes simply to get their houses ready for sale. Or they might have moved and settled permanently abroad and now wish someone to clear out the house in readiness for selling it. Establishing a good business relationship with local estate agents can lead to regular business referrals.

But house clearance is most particularly required after a death in the family. The bereaved often do not want to clear the house at such an emotional time, and the act of disposing of a loved one’s belongings can be overwhelming. Relatives can struggle to sort out the belongings of the deceased whilst coping with their grief and the ongoing demands of work and family life. Or there may simply be no emotional ties and the deceased is a distant relative in another part of the country.

Whatever the reason, there is a booming business clearing out other people’s unwanted belongings.

Whilst local auctioneers do sometimes offer house clearance services, they are really looking for valuable items to sell in their auctions and are not usually interested in the junk. So if you are embarking on this type of business then you need to be prepared to clear everything and often to deal with people at a difficult time in their lives.

Many items that are unwanted by one individual can still be recycled or donated to charity so be sure to consider these options where possible.

To distinguish your business from the rogue element that operate bogus house clearance services it is worth joining the UK House Clearance Association.

Every member of the association makes some key commitments, which are simply good business practice:

· To provide a clear description, price and timetable for the house clearance to be carried out.

· To guarantee full liability insurance.

· To hold a current waste carrier’s license issued by the Environment …

Student Dental Insurance – Affordable Options For Students

Whether your are 18 years old and just starting out in college or are an older student furthering your education, congratulations on taking such an important step toward preparing for your future. Besides studying and exams, students have other worries as well. One of them being where to find an affordable dental insurance plan. Whether you are looking for individual coverage or a family plan, there are ways to find cheap but quality student dental insurance.

1) ISO. The ISO, or the International Student Organization, is a great option for international students looking for student dental coverage. For people who live in other countries, but are studying at universities or colleges in the United States, the ISO is a great place to turn to to find an affordable plan.

2) A school offered capitation plan. This is a dental plan offered by the school itself that covers basic dental needs. While plans differ from school to school, it is not unusual for these plans to require that you see a set list of dentists. Often, the school will allow you to roll the cost of the plan into your tuition and if you are receiving financial aid or are on scholarship, the fee can be taken care of so you don’t have to come out of pocket.

3) Dental insurance scheme. Another form of student dental insurance that is offered by the school itself is a dental insurance scheme. This plan is offered by a private insurance company but in agreement with the school. Because insurance companies can afford to give discounts for group coverage, the fact that many students participate makes securing this type of coverage cheap.

4) Discount dental plans. Sometimes, if you are not anticipating needing much dental work at all, these discounted dental plans can be a much more affordable way to go. Unlike insurance, you don’t pay premiums. You pay a nominal annual fee and get access to a list of dentists that will do basic work at greatly discounted prices. Another great thing about these programs is that they also offer great discounts on major dental procedures in case of emergency.…

Globlization And Its Impact Of Insurance Industry In India

INTRODUCTION

The word "Fear" has only four alphabets like love but both of them have very different e meaning. Whatever man (malor female) does for the love of their families always starts with the background of fear. Usually so many times we have been asking our selves that, what will happen if we were not there, but we keep on asking rather then doing something for it. Time is precious, it never stops for any one and we are living in the world of uncertainty; The absence of job, the uncertainty of money, the absence of property and like this the story goes continous for the whole life of a man.

A thriving insurance sector is of vital importance to every modern economy. Firstly because it encourages the habit of saving, secondly because it provides a safety net to rural and urban enterprises and productive individuals. And despite most importantly it generates long- term invisible funds for infrastructure building. The nature of the insurance business is such that the cash inflow of insurance companies is constant while the payout is deferred and contingency related.

This characteristic feature of their business makes insurance companies the largest investors in long-gestation infrastructure development projects in all developed and aspiring nations. This is the most compelling reason why private sector (and foreign) companies, which will spread the insurance habit in the societal and consumer interests are urgently required in this vital sector of the economy. Opening up of insurance to private sector including foreign participation has replied to various opportunities and challenges in India.

LIFE INSURANCE MARKET

The Life Insurance market in India is an underdeveloped market that was onlyapped by the state owned LIC till the entry of private insurers. The penetration of life insurance products was 19 percent of the total 400 million of the insurable population. The state owned LIC sold insurance as a tax instrument, not as a product giving protection. Most customers were under- insured with no flexibility or transparency in the products. With the entry of the private insurers the rules of the game have changed.

The 12 private insurers in the life insurance market have already grabbed nearly 9 percent of the market in terms of premium income. The new business premium of the 12 private players has tripled to Rs 1000 crore in 2002- 03 over last year. Meanwhile, with regard to state owned LIC's new premium business has fallen.

Innovative products, smart marketing and aggressive distribution. That's the triple whammy combination that has enabled fledgling private insurance companies to sign up Indian customers faster than anyone ever expected. Indians, who have always seen life insurance as a tax saving device, are now suddenly turning to the private sector and snapping up the new innovative products on offer.

The growing popularity of the private insurers is evidenced in other ways. They are coining money in new niches that they have introduced. The state owned companies still dominate segments like endowments and money back policies. But in …

6 Things You Must Consider Before a Canadian Motorcycle Ride

If you plan to cruise the highways and drive a motorcycle in Canada the following information will be useful to consider both for your own safety, and for your own piece of mind.

Canadian Highways and Rural Roadways

Whether you decide to rent a motorcycle or drive your own, Canada has a massive system of well managed city streets and highways which will bring you just about anywhere you want to go.

The main highway throughout Canada is the Trans-Canada Highway, which goes coast to coast. The distance from the east coast to the west coast is about 8000 km or around 4,900 miles. You could go on a Canadian motorcycle ride for weeks and never get to see everything.

Motorcycle Rentals

Renting a motorcycle in Canada may be something you want to consider. Canada has several motorcycle rental companies found near the major cities and towns. Rates vary depending on the season, type of motorcycle and length of rental. The minimum age to rent a vehicle in Canada is usually anywhere from 21-25 years old. If you plan to travel through the western provinces on your motorcycle you might want to look into the many popular tourist attractions, and the great roads to travel.

In order to rent in most cases you will need to have a major credit card. Requirements may vary from each province. Be sure to reserve your motorcycle ahead of time during peak travel times, which are usually from mid May to November.

Camping With Your Motorcycle

Most Canadian provincial and national parks, private campgrounds and other conservation areas allow you to camp with your motorcycle.

All of the Canadian provinces have a government agency that is responsible for tourism. You should check their websites or call for information to get get maps, and possible promotional offers, and maybe even some more Canadian motorcycle information. If you plan to stay in a campground near a popular park like Banff, Whistler, and Fundy National Park you should book in advance.

Driving Laws- Canadian Motorcycle Driving

In Canada the road laws are very similar to the rules in most US states. Most road safety laws and regulations are determined at the provincial and territorial level, so make sure you know the particular rules for the province you plan to be visiting. One rule for motorcyclists throughout all Canadian Provinces is that you must wear a motorcycle helmet if you are driving a motorcycle in Canada.

Other things to consider while driving throughout all the Canadian provinces on a motorcycle are that you are allowed to make a right turn on red lights in most cities throughout the country after coming to a complete stop. Be careful though because in some areas of Quebec you are not allowed to do this. For more information, check with the Government of Quebec’s website.

In all Canadian provinces pedestrians have the right-of-way and you must yield to pedestrians at crosswalks. The speed limit on the most rural highways is usually around …