Tag Archives: Think

1 Day Car Insurance: It’s More Popular Than You’d Think

Article by Ruth Roberts

When you are thinking about your insurance needs, I don’t imagine that 1 day car insurance is the first thing that pops into your mind. Most of us have never even heard of it, but this insurance option might be just the coverage you are looking for. Since you are here online trying to find out what you can about this type of temporary insurance, then I am going to do my best to help you decide if this is something that will work for whatever situation you have ahead of you.The most common reasons people get 1 day car insurance are: borrowing or lending a car to a friend or family member, renting a truck for moving, heading out on a road trip with a some friends that will require several of you to drive, renting a car, test driving cars you may want to buy, selling your car to strangers that will want to test drive it, taking your RV out on the road for a vacation, delivering a car to someone in another state, taking your classic car to a show or to be in a parade, driving a loaner when your car is in the shop or when you have just bought a new car and you are undecided about which annual policy will be best for you. The list goes on but for general purposes I will try to educate you on the basic reasons to go this route and the easiest way to do it.Since you are looking into 1 day car insurance, then by all means get comprehensive coverage. This way you will be protected from the expenses that come with an accident. I’m talking about property damage and the doctor bills that are incurred when having a run in the uninsured or under-insured drivers. No one plans on having an accident, but they can happen to anybody, anywhere at any time, and it is just plan foolishness to think just because you are only going to be driving a short ways or for a short time that an accident won’t happen to you. Surprise! That’s why they call them accidents. In a perfect world every driver would be insured and we would all be in a safer situation when we are on the road, but the plain truth of the matter is that a lot of people just try to get through life making only the minimum of effort to do their part. The best you can do is to make sure you aren’t one of the slackers and cover yourself and vehicle should you have an accident. You are already online so let’s start here. There are many online agencies and insurance companies who are in competition for your business, do shopping for the best rate will be quite simple. Quotes are free and you can get them almost instantly, by just filling out the online applications with the correct information. If you feel more comfortable actually talking to someone one the phone, start by calling your regular agent and one or two popular independent agents in your area. The good thing about working with your own agent is if you are a customer in good standing they are much more likely to give you a reduced rate and even just let you pay for it when you make your usually insurance payment. But, before you call and ask, be armed with the rates that other companies have quoted you. Becoming an informed shopper always saves you money in the long run.The advantage to shopping online is that once you have gotten and compared quotes of as many companies are you want you can pay for it right away and your coverage will begin instantly. Paying for your insurance online started back in 2005, it’s just more recently that you can buy 1 day car insurance this way. This type of insurance has evolved quickly to where it now covers accident, fire, vandalism and theft, just like a full blown insurance policy.This is probably a good time to let you know that there are some deciding factors that may keep you from qualifying for a 1 day car insurance policy. There is an age requirement. Most insurance companies have an age cut off at 25 years old, but you can find a few companies that will insure the 21 year old driver, but the rates will be higher, just as they are with regular insurance. So, you are old enough to satisfy the age requirements, but there are other things that the companies are going to take into consideration. If you have a bad credit rating you are going to pay higher rates. If your driving record leaves much to be desired or you have had more than one or two accidents or moving violations, there will be no super deals for you. One other deal breaker could be the age of the car or truck you are trying to insure. You will really have to look for someone to insure a 20 year old vehicle. If any of the above situations apply to you, it won’t be quite as easy to find what you need but coverage for you is out there. You are going to have to apply to more companies than a driver in good standing, but you will find a few companies that will sell you 1 day car insurance. Don’t buy the first

Nine things you should think about before taking a life insurance paramedical examination

By Michelle Matlock, Life Quotes, Inc.

When you apply for life insurance, you will most likely have to take a medical exam.

Individual life insurance companies have a number of tools at their disposal when it comes to rating policies, and one of those tools is medical underwriting. Since the basis of insurance involves assessing risk, health status plays a critical role in the underwriting process.

What to expect

Paramedical examiners are licensed health professionals that insurance companies hire to perform medical examinations on potential policyholders. When you apply for life insurance you will be required to answer a series of medical questions, or if you apply for a policy at an insurance website, you can fill out a questionnaire online. The second part of the application is a medical form that is completed by your examiner. Examinations are generally performed in the privacy of your home or place of business.

Most paramedical exams require examiners to collect a urine sample and blood draw. You will also be asked to provide your driver’s license and social security number. Typically an examiner will accept alternative forms of identification such as a military ID, passport or state issue identification cards with a photo ID. This information will be used to fill out the lab ticket. The lab uses your complete blood count (CBC), to rule out a number of conditions such as leukemia, cancer or HIV. You may also be required to take a liver function test, or a Carbohydrate Deficient Transferrin (CDT) test, which is used to rule out alcoholism, cirrhosis and other liver diseases. Lab technicians also check your cholesterol level, which will be used to evaluate your risk for heart attack or stroke.

In addition to urine and blood samples, examiners will check your blood pressure, pulse rate, and measure your height and weight. In some cases, you might be required to take an X-ray or treadmill test. Some exams might require checking your “timed vital capacity” (TVC). This is a breathing test that determines how well your lungs are functioning. They may also require some applicants who smoke or have a history of heart disease to have an electrocardiogram (EKG), a test that records electrical changes in the heart.

Questions your examiner will ask you include:

1. Name and address of personal physician?

2. Date and reason last consulted?

3. What treatment was given or medication prescribed?

What you should do

While some folks find paramedical examinations a little daunting, the extent of a paramedical exam varies by insurance company.

Also, some companies require less information than others and have a shortened version of a paramedical exam. But be warned— if you are a smoker, your mortality rate is often higher than nonsmokers, and insurance companies usually require a more thorough medical examination for tobacco users.

“If your agent isn’t prepping you for your exam then they are not doing the right thing,” says Ryan Pinney, a brokerage director and insurance risk specialist for Pinney Insurance Center, Inc. in Roseville, Calif. “There are so many things that can mess up your lab results that people don’t consider.”

Pinney offers some sage advice that will help increase your odds of doing well on an examination.

1. Don’t consume alcohol for 72 hours prior to your exam.

2. Don’t take your exam if you are dehydrated.

3. Don’t take ibuprofen or aspirin because this will create elevated liver function.

4. If you exercise or work out regularly, take a break for a day or two prior to the exam. “When you work out your muscles breakdown and that can tweak the outcome of your lab,” says Pinney.

5. Don’t eat fatty foods for at least two days before your examination. “If you have an exam coming up and you must choose between a triple cheeseburger or salad, go with the salad. Even if you don’t have high cholesterol, fatty foods will temporarily heighten your cholesterol levels,” notes Pinney.

6. Take your exam first thing in the morning don’t wait until later in the evening. “Your blood pressure is lower in the morning because you’ve been sleeping for 6 to 8 hours. It’s never a good idea to get stressed out at work, fight rush hour traffic and then take your exam,” Pinney recommends. In addition, Pinney says when you sleep your back compresses, so you are also a little taller in the morning. “This can help you when it comes to measuring your height and weight.”

7. Wear your tennis shoes. “When your height and weight is measured you don’t have to take off

Small Business Insurance:”Policies For This, Policies For That. As If I Haven’t Got Enough To Think About.”

It’s there somewhere on your master check list. You know you need to do something about it. But somehow, with all the other urgently pressing, day to day activities going on, the whole question of insurance probably seems a bit abstract. After all, insurance is all about what might happen, and you’ve got enough to worry about with what is happening, right here and now.

And if you do get around to thinking about it, it just seems to be a maze of policies for this and policies for that and people wanting money for something you’re not even sure you need.

Well, organising your small business insurance really needn’t be like that at all. It really is possible to arrange all the small business insurance cover you need in just a matter of minutes and at highly competitive rates.

How is that possible? Because there are some clever, online insurance brokers who have already thought through all the problems that small business owners face. They recognised that all small businesses need a portfolio of policies. But they don’t all need the same portfolio. The insurance needs of a restaurant are not the same as the insurance needs of a cleaning contractor whose insurance needs are not the same as those of a small manufacturing company. And so on.

So why not make life easy by arranging small business insurance packages tailored specifically for a whole range of different types of business. All of the policies that each business does need (and none of the ones it doesn’t) in one place.

And because it’s an online service, offer instant access to a small business insurance quote, easy payment arrangements and downloadable policy documentation, And again, because it’s an online service (with lower overheads) offer a discount as well. Make the idea of cheap business insurance a reality.

I am a content writer and writing insurance articles for past 4 years..

Ammenda Michle

For further information on Business Insurance and Small Business Insurance for UK contractors and professionals please contact Coulson Pritchard Associates directly on 0161 833 2100  ,0870 752 5455 , 01480 470220 or visit at www.companyinsurance.co.uk/

Article from articlesbase.com