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Car bombs are a tactic of terror organizations all over the world.

Chris — Fri, 06 Jan 2012 03:42:59 +0000

Car bombs are a tactic of terror organizations all over the world. They are also major insurance events. Here is a graphic of the biggest car bombs in history

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What Is The True Total Cost Of A Speeding Ticket?

admin — Sun, 18 Dec 2011 18:02:48 +0000

Most people who consider themselves to be good, decent, law-abiding citizens still consistently break the law of a fairly regular basis. They do this because they feel that they are not hurting everyone and other people are doing it to. However, it is important to realize that driving above the posted speed limit is breaking the law and can be extremely costly for the unfortunate driver when they are pulled over by the police. Fines and penalties can vary across different states and will often depend on the speed of the driver relative to the legal speed of the road; but a person with a speeding ticket can count on paying at least $150 for the ticket itself. But there are many other hidden costs of getting a speeding ticket which can be significantly greater than the ticket.

According to Insurance.com, a leading insurance search site, drivers with even a single speeding ticket pay almost 20% more than someone without a speeding ticket. For an average policy this equates to close to $200 per year, which is more the the original ticket. For drivers with multiple tickets, the additional costs can double or triple. These additional costs will continue for as long as the ticket remains on one’s driving record. This varies across different states, but is usually anywhere from three to five years. That means for a person with a single ticket could end up paying an additional $1,000 for insurance over the course of five years.

When a person has too many tickets, many companies will refuse to even offer insurance coverage. In most states it is illegal to drive without a minimum amount of insurance. That means these costs will be unavoidable. Fortunately, there are some steps that one can take to help defray an insurance premium increase. Many states allow for a driver to take an educational course for reduce points on the driver’s license. This will also usually be taken into account when an insurance policy is renewed. These classes are usually only one day long and cost less than $200. This cost is significantly less than what one would pay in increased premiums over just a few years.

Of course the best way to avoid these extra insurance costs is to drive safely and smartly and follow all traffic laws. Driving ten miles over the speed limit will rarely get you to your destination more than a minute or two early, but it could cost thousands of dollars in fines and increased insurance premiums.

Infographic: The Anatomy of a Stunt Driver

admin — Mon, 21 Nov 2011 01:34:58 +0000

Have you ever wondered what makes a stunt driver tick? Does he risk his life for the adrenaline rush? In this infographic, you’ll find some some fun and interesting information about stunt drivers including profiles of popular drivers, statistics about the cost and skills behind stunt driving, and more.

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What is an insurance misquote?

admin — Mon, 31 Oct 2011 01:23:52 +0000

An insurance misquote is when the actual rate offered in the contract is different than the rate originally quoted. This is most often caused by a mistake in the original application that is discovered in underwriting. It may the age of the insured or the driving record or any other mistake that would affect the final insurance quote.
It can be caused by either agent or applicant error. To avoid a misquote, provide accurate information on your application. There is no reason to not be accurate as all information provided is verified by the insurer prior to the actual issuance of the policy.

Centralized Claim Database

admin — Fri, 21 Oct 2011 19:08:23 +0000

Insurance carriers today have access to a central database of claims, so they can see the past history of claims for a house or a car. One cannot just switch insurance companies after making a claim and expect that claim not to be factored in to their insurance rate.
When makes a claim on insurance, their premiums are likely to rise. This is especially true if there are a number of claims. Many people think they can do this and then just switch insurance companies and the new company would have no idea about the prior claims and therefore offer a lower rate. This is not the case, however. All insurance companies share a centralized database of past claims.
This does not mean, however, that one should not shop around. Oftentimes, insurers do not put equal weight on prior claims or have different risk parameters and a competing insurance company may offer a lower rate. All this means is that they all will have access to your prior claims.
To save money, think before making a claim, especially for small, incidental damage as the added cost in insurance may be more than the claim is for.

Health Effects of Caffeine

admin — Thu, 20 Oct 2011 21:35:18 +0000

Many people wonder about the health effects of caffeine consumption and how it may affect their health insurance quotes. It has no effect on rates, but here is a sampling of information about its health effects:

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What is a loss payee on an insurance policy?

admin — Tue, 18 Oct 2011 15:57:21 +0000

The loss payee on an insurance policy is any entity that has a financial interest in the item that is insured. The insured item can be anything such as a car or house or piece of art or jewelry that is insured. The loss payee is the entity that would get paid in the event of an insurance claim. It is usually a financial entity that has lent money using the item as collateral for the loan. This is done so that the financial entity is made whole on their loan in case of damage to the insured item. They would get paid directly from the insurance company as the loss payee.

Pay-as-You-Drive Car Insurance

admin — Fri, 14 Oct 2011 14:32:18 +0000

With the rising cost of car insurance, many consumers are opting to use pay-as-you go monitoring devices to track their insurance. By installing one of these devices in your car, your insurance company can track your actual usage so the consumer is only charged for miles driven.
These devices also track your driving technique. They can measure speed as well as breaking or other variables to better judge safe drivers.
Many people are able to save a significant amount of money, over 20% on their car insurance, by using these devices. If you are a safe driver who does not drive a lot, these are ideal for you.
Consumer watchdogs are worried about privacy issues related to monitoring methods. Of course, this is a personal choice for the consumer, so any privacy issues can b e allayed by personal choice of whether to install one on your car. They are not required to have car insurance, but are optional.

Can somebody take out life insurance on another person?

admin — Sat, 08 Oct 2011 19:51:20 +0000

Yes. You can get life insurance on that person as long as you have an insurable interest in that person’s life. That means that if that person were to pass away, it would cause financial distress. For example, a business can take out life insurance on an employee. This is called key man insurance.
Another example would be a spouse taking out insurance for the other spouse.
In general, the other party must agree to this policy being put in to effect as they must cooperate and sign off on the policy.

Life Insurance for Seniors

admin — Tue, 04 Oct 2011 00:32:31 +0000

Sometimes people over 50 want to take out a new life insurance policy. Some of the reasons for this might be having a child later in life or to care for adult children or grandchildren or perhaps for estate planning. Whatever the reason, there are options.
The shorter one’s life expectancy is, the more life insurance will cost. For that reason, life insurance over the age of 50 is significantly more expensive than it is for people in their 20′s for the same amount of coverage. The reason is that the insurer collects fewer premiums, on average, and the premiums collected have a shorter time frame to grow prior to having to pay the death benefit.
Term life insurance is generally the best solution for a senior. Whole insurance usually involves an investment component that will grow over time. People with a shorter lifespan, however, cannot take advantage of this growth the way that a younger person can.
To give a brief outline of pricing and the expense of senior life insurance, a man, aged 70, in “normal” health who wants a $1,000,000 policy, may have to pay $60,000-%80.000 per year or more for that policy. The life expectancy of that person may only be 10 years, so in order for the insurance company to break even, they have to charge the expected value of the payments in relation to the $1,000,000 payout.
If, as a senior, you do not think you can make the payments until you pass away, it is best to not get life insurance in the first place. If you let the policy lapse, the insurance company keeps all the money paid, but never has to pay the death benefit. This is the worst possible scenario for a customer. You should be prepared to make the payment for years, well longer than your life expectancy.