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I canceled my trip to tend my ailing father, why won’t travel insurance pay?

We were recently asked this question by a travel insurance consumer, who was advised by his fathers doctor not to take a planned trip because of his fathers illness. He canceled his trip, but the insurance claim was denied for two reasons:

The fathers condition was the result of a pre-existing medical condition.
The insurance plan had not been purchased within the required number of days from the initial trip payment.

Obviously, the consumer was frustrated and it is unfortunate, but many travel insurance buyers simply dont understand that travel insurance, just like any other type of insurance, has rules and exclusions.

Roadside Assistance and Car Insurance

In the past, roadside assistance and car insurance were two completely different things. Just like your insurance doesn’t buy you a new battery when your old one goes out, it does not tow your car to the shop when it breaks down. Insurance was for accidents—collisions, fires, hail damage, theft. If you wanted someone to replace your flat tire, or, give you a ride back to your house, you relied on motor clubs like AAA.

In recent years that has begun to change. Increasingly, some auto insurance companies have begun to offer roadside assistance services. They may be a feature of a standard comprehensive policy or an altogether different feature you can chose separately. Read more…

Nov 09, 2011

Posted by Admin | No Comments »
Tags: Car Insurance

Defining umbrella insurance and their benefits

Umbrella insurance policies protect the properties and economy of a person. These policies are entirely different from excess insurance policies and goes beyond the limits of primary policies. Umbrella policies are also referred to as personal excess liability insurance. Sometimes they are also termed as personal catastrophe policy. These policies are usually taken in order to provide protection beyond other policies. This includes liabilities policies like home insurances and automobile insurance.

An umbrella insurance policy comes into active in several situations. One of the most important instances where they attain prominence is during automobile accidents. Read more…

Nov 04, 2011

Posted by Admin | No Comments »
Tags: Umbrella Insurance

Tallahassee Buzzing with New Property Insurance Legislation

Tallahassee is buzzing – if you listen closely, you can hear it. As October winds to a close, the traffic on Interstate 10 is picking up, as is the mid-week crowd at Clyde’s & Costello’s. There’s only one thing that could mean – the 2012 legislative session is right around the corner.

With this in mind, it’s time we take a quick look at the early drafts of the Insurance-related bills winding their way through the committee process, which has already begun in earnest:

First, Senate Bill 378/House Bill 243, sponsored by Senator Richter and Representatives Metz & Weinstein, respectively. These Bills

Pointers for Getting the Best General Liability Insurance Quotes Online

When looking for general liability insurance quotes, there are a couple of things you need to remember, especially if you want to get the best quotes for the best policies which can provide you and your company with the level of coverage you need. Read on to learn more about how you can find the best quotes for general liability insurance policies online.

Research about general liability insurance.

You should first be sure that general liability insurance is the type of business insurance that your company needs. General liability insurance for businesses offers the coverage for claims made for personal injuries and property damages against your company. Read more…

Nov 03, 2011

Posted by Admin | No Comments »
Tags: Liability Insurance

Wal-Mart offers latest sign that employer-based health coverage is failing

When Wal-Mart, the country’s largest private employer, announced the other day that it’s cutting back on health coverage for workers, it wasn’t just the latest sign that our healthcare system is out of reach for a growing number of people.

It was also the clearest indication to date that our employer-based health insurance system has let us down, saddling millions of families with rising healthcare costs and leaving millions more out in the cold.

“The system is failing us,” said Alain Enthoven, a professor emeritus at the Stanford Graduate School of Business who served as a consultant to the Carter administration on healthcare issues. Read more…

Oct 24, 2011

Posted by Emily Davis | No Comments »
Tags: Coverage, Health Coverage, Latest Sign

Insurance Info Store

I canceled my trip to tend my ailing father, why won’t travel insurance pay?

Roadside Assistance and Car Insurance

Defining umbrella insurance and their benefits

Tallahassee Buzzing with New Property Insurance Legislation

Pointers for Getting the Best General Liability Insurance Quotes Online

Wal-Mart offers latest sign that employer-based health coverage is failing

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