Thursday, January 30, 2014

Why Is Auto Insurance Important?

Auto insurance protects you from being financially responsible for an accident, but you're required to pay monthly premiums to keep the insurance. By law you must have car insurance if you want to drive on the road and without it you can be fined, lose your license, go to jail and also be sued depending on the seriousness of the accident you caused. Even if you're pulled over without car insurance you can be fined though which means you must have and maintain auto insurance.
There are lots of companies that offer auto insurance and you'll need to research which is the best option for your specific needs. Auto insurance has many different types of policies and coverage so you need to make sure when you buy your car insurance that the policy makes sense for you. One thing you want to make sure of is that the monthly premium will fit into your budget and also that you're getting the right amount of coverage for your vehicle. Don't get to much coverage but also don't get too little coverage, there is a very fine line between the two and you'll need to determine which is suitable for your vehicles.
Typically if you get into a car accident and you're at fault then you need to put the claim through your insurance. This will mean that your insurance company will pay the damages to the vehicles and also any medical expenses that anyone faces, if any. Without car insurance it makes you liable for the damages and medical bills and this is where it gets very serious. You can be sent to jail for injuring someone in an accident without any insurance and you will most definitely be sued by the family. This will often result in you losing everything you own.
Car insurance isn't a joking matter and is one of the most important insurance policies you need. It's also one of the insurance policies that are mandatory to have while driving. Having car insurance is also necessary to have in case somebody hits your vehicle. If someone hits your vehicle and you don't have insurance then they won't be liable for paying any damages to you.
As you can tell having car insurance benefits you in a lot of ways and also gives you a feeling of safeness while out on the road. It's always better to drive focused and not sub-cautiously have to be thinking about the fact you're driving without insurance. Car insurance can be bought for very affordable monthly premiums and offer great coverage, you just need to do a bit research beforehand so that you can find the best deal. There is highly competitive competition in this industry and there are many companies fighting for your business. Decide on a budget savvy auto insurance policy and I guarantee you'll be saved a lot of hassles and unnecessary fines. You'll also be ensured that you won't be financially accountable for any damages to people or vehicles as your insurance will cover you.


Article Source: http://EzineArticles.com/1173538

Monday, January 27, 2014

Saving Money On Auto Insurance



This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Friday, January 24, 2014

Social Media and Emergency Planning



While writing about social media and emergency preparedness, NFPA Journal staff writer Fred Durso discovered that if you're prepared for a zombie apocalypse you're prepared for anything.

Learn more at http://www.nfpa.org/gotsocial

Tuesday, January 21, 2014

CA Drought: State of emergency as wildfires flare



CA Drought: State of emergency as wildfires flare
The Governor of California has declared a state of emergceny as the drought threatens to leave farms and communities with dramatically less water and increases the risk of fires in both urban and rural areas.

Friday, January 17, 2014

Lynne McChristian, Fraudulent Medical Claims & Impact on Insurance Rates...



Lynne McChristian of the Insurance Information Institute http://www.iii.org on WINK talking about the fraudulent medical claims and the impact on insurance rates.

Tuesday, January 14, 2014

The i's on Insurance: Types of Auto Coverage



Car Insurance is something every driver needs, but how much do you really know about your auto coverage? '

Tune in to "Auto Coverage: You're in the Driver's Seat to know more about the different types of automobile insurance, get helpful tips on responsible driving and even learn how to reduce your auto rates by getting the right coverage for your needs.

Saturday, January 11, 2014

Flood Safety




Commonly Asked Questions


Q: Is flooding really that big of a deal?


Flooding causes more damage in the United States than any other severe weather related event, an average of $5 billion a year. Flooding can occur in any of the 50 states or U.S. territories at anytime of the year.


Q: How can I find out if I am in danger from a flood?


NOAA Weather Radio All Hazards is one of the best ways to receive warnings from the National Weather Service. NOAA Weather Radio All Hazards is a nationwide network of radio stations broadcasting continuous weather and river information direct from nearby NWS offices. Also, the NWS web page provides forecasts and warning and identifies where flooding is occurring (www.weather.gov/water).


Q: How do I know how severe a flood will be?


Once a river reaches flood stage, the flood severity categories used by the NWS include minor flooding, moderate flooding, and major flooding. Each category has a definition based on property damage and public threat.
Minor Flooding - minimal or no property damage, but possibly some public threat or inconvenience
Moderate Flooding - some inundation of structures and roads near streams. Some evacuations of people and/or transfer of property to higher elevations are necessary.
Major Flooding - extensive inundation of structures and roads. Significant evacuations of people and/or transfer of property to higher elevations.


The impacts of a floods vary locally. For each NWS river forecast location, flood stage and the stage associated with each of the NWS flood severity categories are established in cooperation with local public officials. Increasing river levels above flood stage constitute minor, moderate, and major flooding. Impacts vary from one river location to another because a certain river stage (height) in one location may have an entirely different impact than the same level above flood stage at another location.


Q: What's the difference between a flood and flash flood?


A flood occurs when prolonged rainfall over several days, intense rainfall over a short period of time, or an ice or debris jam causes a river or stream to overflow and flood the surrounding area. Melting snow can combine with rain in the winter and early spring; severe thunderstorms can bring heavy rain in the spring and summer; or tropical cyclones can bring intense rainfall to the coastal and inland states in the summer and fall.


A flash floods occur within six hours of a rain event, or after a dam or levee failure, or following a sudden release of water held by an ice or debris jam, and flash floods can catch people unprepared. You will not always have a warning that these deadly, sudden floods are coming. So, if you live in areas prone to flash floods, plan now to protect your family and property. The use of the word “flash” here is synonymous with “urgent.”


Q: Is there anything I can do to prepare for a flood?


How to reduce potential flood damage and what to include in a family disaster plan can be obtained from the American Red Cross.

Wednesday, January 8, 2014

Water Damage



Water is responsible for millions of dollars in damage to homes every year. Candysse Miller of the Insurance Information Network of California says if homeowners took just 10 minutes a years to inspect their homes for water damage and corrosion, they could save themselves time, aggravation and money. The Insurance Information Institute says look for old and worn out water hoses on your washing machine and dishwasher, Check your water pressure, be sure to ventilate your bathrooms. Plumber, Eric Brockmire, says know where the main water-shut off valve is located in your home. Nanette McElman of the Institute for Business and Home Safety homeowners should inspect their homes for leaks.

For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

Sunday, January 5, 2014

The i's on Insurance: Your Homeowners Coverage



The Insurance Information Institute http://www.iii.org is all about helping consumers understand 'what insurance is and how it works.' If you're a homeowner, or are considering buying a home, you'll want to know the basics of homeowners insurance. "The I's on Insurance: Your Homeowners Coverage" explains what most policies cover (and don't cover). Watch and learn about liability, additional living expenses and other coverages in your insurance policy. And discover that protecting your family's home and belongings with a policy that balances your needs and budget doesn't have to be a chore.

See Insurance Through the I's: Subscribe to our YouTube channel: iiivideo for future "The I's on Insurance" features and other videos about how to be safe, sure, and covered for the unexpected. You can also follow us on Twitter @iiiorg to stay plugged in to the latest information and news about your home, auto, and business insurance.

Thursday, January 2, 2014