Insurance Archives

How Important is Basic Liability Auto Insurance?

In a world where people can be quick to seek out unfair compensation and sue for almost any small incident, it’s important that you keep yourself financially secure with liability auto insurance for your vehicle. You see, you can’t always control when, where, or how an accident will occur, but you can control and potentially limit how much an accident will cost you with the right amount of liability auto insurance.

In order to understand whether liability car insurance is a necessary investment, it pays to take a closer look at some of the leading benefits liability auto insurance offers.

How Important is Basic Liability Auto Insurance?

Be Sure to Meet the Minimum Requirement

In every state except New Hampshire, liability auto insurance is required so that drivers are protected from mistakes or accidents that are not their fault. People who drive without this kind of insurance can expect to pay a hefty fine or worse.

However, the finer details of the law are different from state to state. So, make sure your liability insurance safety meets the required standards where you live.

The minimum requirements for liability auto insurance will vary in regards to both areas that liability insurance covers – property damage and bodily harm. This is to ensure that drivers who are not at fault in minor accidents can be completely covered.

How Is Courier Insurance Important?

by Guest Contributor

Liability is something that cannot be afforded when it comes to courier delivery. Thus in the courier business, an important step of purchasing courier insurance must be taken to ensure that the goods transaction is risk free on all fronts. That step is Courier Insurance.

Huge fleet and chain of operators, sub-contractors and single operators, everyone must make this one time investment in courier insurance and also make an informed choice when it comes to drawing the budget and selecting the policy best suited for the business.

First the understanding of the importance of courier insurance is necessary before the investment is made, so that no doubts are involved. The important point to be kept in mind is:

If any damage occurs to the goods that are to be delivered via courier, it is the responsibility of the courier operators to pay for the loss. The costs may hamper the courier services to a huge extent and a situation may also arise that the courier operators cannot afford to pay for the losses.

That is when Courier Insurance plays an important role. There is minimum repercussions and maximum damage control. Courier insurance covers the three essential fronts of a courier service: goods, vehicles and public liability. Thus courier insurance is an overall package that includes the following sub-policy of insurances:

Vehicle Insurance
Goods In Transit Insurance
Public Liability Insurance

The importance each sub-policy can be stressed further:

Pros and Cons of No Exam Life Insurance You Need to Know

by Jeremy

If you have been holding off on getting life insurance because you were worried about the exam that precedes a policy approval, there is good news for you. Not every kind of life insurance requires that you go through the exam procedure. Before you commit to no exam life insurance, you should be aware of all the pros and cons of doing this. Read on to learn more about these policies and whether it might be the right fit for you. Pros of a No Exam Life Insurance Of course, the process of applying for this life insurance is easier because you don’t have to go through the exam. This often eases a lot of your fears about the application and … Read more

Fitness As An Investment Tool

by Jeremy

This is a sponsored post that contains affiliate links.

Professional investors have pretty stringent definitions of what is and isn’t an investment. Depending on who you talk to, an investment may only be a narrow band of financial allocations, to which sophisticated improvements may be applied.

Such investors tend to deride lots of other forms of investment as mere speculation. But this is a very narrow way of thinking about investment, one which will leave most people out.

More broadly considered, investing is a simple allocation of a finite resource to a (hopefully) profitable end. Regular people make investments of time every day. They invest in products and appliances. They invest their attention in entertainment and conversation. These applications don’t often result in direct profit, but they’re investments just the same, ones which can be adjusted to start seeing more beneficial ends across the board.

How to Choose the Right Insurance for Your Business

by Hank Coleman

Most business insurance policies are taken out voluntarily by businesses across many sectors for good reason. A whole host of accidents can be caused by your business where costly accident claims could ensue. There are different types of business insurance policies to suit various industries and the premium all depends on the type of business you have, the number of employees in your business, and what your turnover is. The benefits of taking out business insurance policies• They cover the legal costs and expenses involved in defending claims made against your business.• You can show your clients that your business is insured against loss or damage caused to them by your business.• It gives you peace of mind that you … Read more

Save Money Car Insurance Shopping for Teen Drivers

by Jeremy

If you have a new teen driver, you are probably a little bit worried for a myriad of reasons. You are concerned for your child’s safety first and foremost, but be honest.

You are also worried about your car and your premium. Unfortunately, adding an inexperienced motorist will raise your bill, but there are plenty of steps you can take to lower that monthly payment. Get ready to contact your local Marietta car insurance agent and ask a few questions about the firm’s discounts and policies.

How To Save When Car Insurance Shopping for Teen Drivers

1. Good Report Cards

Most companies offer discounts for good grades. Normally, students will receive financial breaks as long as they keep their GPA up and show an official transcript to the agent. This rule applies to high school and college students alike.

As long as the driver is a full time student, he or she should have no problem getting an academic discount. You don’t have to worry about taking a hit when your child starts taking advanced courses either. All you need is a B average.

2. Report if Your Teen Leaves for School

Especially, if your teen will be living without a car, let your local Marietta car insurance agent know when your child relocates to college or boarding school. The company will likely give a rate to reflect the fact that the young driver will be behind the wheel much less frequently.