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    California Personal Injury and Insurance Blog

  • 5 Additional Ways to Find the Right Attorney For You

    30 Dec 2014 | 1:30 pm
    6. WHAT CONTINUING EDUCATION DOES THE ATTORNEY TAKE? Every attorney in California is required to take continuing education. However, the types of courses and content of the courses is left to the discretion of the attorney. You want to know...
  • 5 Ways to Find the Right Attorney For You

    29 Dec 2014 | 1:29 pm
    1. PRIOR RESULTS ARE NO GUARANTEE A lot of attorneys like to tell you about their other cases. However, your case is different. Each case has its own facts. Just because they got someone else millions of dollars does not...
  • 5 More Things You MUST Do After A Car Accident

    27 Dec 2014 | 1:27 pm
    6. CHECK FOR WITNESSES Some people may stop, look around, and then leave. If you see these people, get their information. Talk to them. You want their name, number, address, and any other information they will give. You may need...
  • 5 Things You MUST Do After A Car Accident

    26 Dec 2014 | 1:26 pm
    1. PULL OVER TO THE SIDE OF THE ROAD There is very little reason to leave your car in the middle of the road after an accident. First, it is not safe. Second, it just creates another hazard for the...
  • 5 More Steps of a Personal Injury Lawsuit

    24 Dec 2014 | 1:06 pm
    As you know from reading my blog, and you should read my blog, most cases settle. In my last post, I wrote about the first five steps of a lawsuit. Those steps included filing the lawsuit and going through discovery....
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    Specialty Insurance Blog

  • NARAB II – What Does it Mean?

    Specialty Insurance Blog
    20 Jan 2015 | 7:00 am
    The reauthorization of TRIA is big news (see here), but part of the TRIA bill was NARAB II, an important provision for all insurance agents and brokers. NARAB has been supported by key industry trade groups, such as NAPSLO, for quite a few years, and its passage is a big step in easing the burden and cost of multi-state licensing, particularly for smaller insurance agents and brokers. The objective of NARAB II is to streamline multistate licensing for agents & brokers, including E&S (surplus lines) brokers, by establishing a national clearinghouse for one-stop licensing outside an…
  • Insurance for Crowdfunding

    Specialty Insurance Blog
    13 Jan 2015 | 7:01 am
    Crowdfunding (see our prior posts here & here) is continuing to gain momentum, and professional liability insurance is available for companies involved. Companies facilitating crowdfunding, such as platforms, broker/dealers and consultants, along with crowdfunded companies, need E&O, D&O, EPL, Cyber Risk and other insurance coverages. The SEC has been slow to implement the full intent of the JOBS Act of 2012, but interest is high. A recent article, Players Await SEC Rules, summarizes the interest: Until the SEC issues final Title III regulations, the full promise of the JOBS Act and…
  • Regulators Recommending Cyber Risk Insurance

    Specialty Insurance Blog
    9 Dec 2014 | 7:30 am
    Cyber threats have gotten the attention of regulators, and regulators are recommending Cyber Risk Insurance as one method for reducing risk. In June of this year, Commissioner Luis Aguilar gave a speech on cyber risks (here), noting both the increasing frequency and costs of attacks. In addition, he made the following comments: The threats are a particular concern because of the widespread and severe impact that cyber-attacks could have on the integrity of the capital markets infrastructure and on public companies and investors. Ensuring the adequacy of a company’s cybersecurity measures…
  • Small Business: Hacker Target

    Specialty Insurance Blog
    11 Nov 2014 | 7:00 am
    Small businesses are targets of hackers and should be buying Cyber Risk Insurance (see prior posts here and here) along with instituting strong IT security. Small businesses may believe they can fly under the radar and avoid breaches, but the evidence would indicate otherwise (see here). HSB ran a “hacker lab” to demo a small business hacking event and steps small businesses can take to protect themselves. (see here) A key takeaway – small businesses are targets and 50% of all small and mid-sized businesses have experience a breach: In a study HSB conducted with the Ponemon Institute,…
  • Professional Liability Insurance – Reporting Claims

    Specialty Insurance Blog
    28 Oct 2014 | 7:00 am
    Reporting claims in a timely manner is critical for any professional liability insurance coverage – E&O, D&O, EPL and Cyber Risk. What constitutes a claim varies by policy and can, in some instances, be construed broadly. (See our Prior Posts: here, here, here, here, here) A recent article discusses claim reporting and failure to report. Entitled Malpractice: Failure to Report Client’s Claim at Professional Liability Matters, the article makes some excellent points on claim reporting, and then focuses on an attorney’s sometimes obligation to report a claim on behalf of a client. Key…
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    HomeApproved Car Insurance Blog

  • Is the car becoming a smartphone on wheels

    13 Jan 2015 | 2:45 am
    Is the car is becoming a smartphone on wheels? under: Black Box, Connected Car Insurance, Electric Vehicles, Entertainment, General Car, Safe Driving, Vehicle Technology Tagged: vehicle technology
  • Good News….

    5 Jan 2015 | 9:30 am
    Good News…. Further fuel price cuts bring £1 a litre within sight under: Environmental, General Car Tagged: petrol prices
  • Here’s wishing you ALL a Happy 2015

    31 Dec 2014 | 1:30 am
    Here’s wishing you ALL a Great, Prosperous, Blissful, Healthy and Extremely HAPPY NEW YEAR 2015. under: Entertainment, HomeApproved Tagged: 2015 car insurance
  • Pothole repair funds allocated to councils

    27 Dec 2014 | 2:10 am
    Pothole repair funds allocated to councils in England under: Environmental, General Car Tagged: potholes
  • A very Merry Christmas

    20 Dec 2014 | 1:39 am
    A very Merry Christmas to you all from all of us at HomeApproved #carinsurance under: HomeApproved Tagged: Car Insurance, Christmas 2014
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    Work Comp Roundup

  • Top 10 Employer Complaints About Their Adjuster / Carrier

    Michael B. Stack
    22 Jan 2015 | 6:30 am
    Over the years I have fielded several complaints from employers about their work comp adjuster or carrier in general.  I think at one point or another we have all heard of the same complaints about how a work comp program is run from the carrier side.   What I always find amusing is the fact that these employers just sit back and take it.  The reasoning behind this is usually that the employers accept that this is the way they think work comp is supposed to be.  They always hear the same pitch from each carrier:  Said carrier is different, they are aggressive, they are more hands-on,…
  • California Man Cooked Up Fraud Scheme

    Kori Shafer-Stack
    22 Jan 2015 | 5:30 am
    For one California man, the recipe of making up a workers compensation scam is over.   Fernando Gallegos, 43, of Los Angeles, was arrested for allegedly collecting workers comp benefits for one job while still working another. Gallegos faces five felony counts of workers comp fraud and one felony count of perjury.   Gallegos was allegedly injured while working in a commercial kitchen and claimed the injury made it impossible for him to work.   An investigation by the California Department of Insurance revealed that Gallegos was actually employed at two restaurants performing…
  • WCRI 2015 Conference Is Coming…March 5-6 in Boston

    Michael B. Stack
    21 Jan 2015 | 6:30 am
    One of my favorite Workers Comp Conferences is coming up soon! Workers’ Compensation Research Institute (WCRI) announced their “must attend” 31st Annual Issues & Research Conference taking place on March 5-6, 2015 in Boston, Massachusetts. WCRI is an independent, not-for-profit research organization providing high-quality, objective information about public policy issues involving workers’ compensation systems.   The conference theme is Resilience or Renovation and explores whether the systems are sufficiently resilient to adapt to the next wave of major challenges by…
  • Massachusetts Man Indicted on Comp Fraud Charges

    Kori Shafer-Stack
    21 Jan 2015 | 5:30 am
    Massachusetts authorities continue to go after those who would rob the Commonwealth’s workers compensation system.   A Chelsea, Massachusetts man has been indicted on charges he failed to accurately report the total payroll of his business to avoid paying more than $45,000 in insurance premiums, Attorney General Martha Coakley announced.   ElburkeLamson, 50, was indicted on charges of Workers Comp Fraud (2 counts) and Larceny Over $250 (2 counts). Lamson was operating as the manager of Legal Pro Temps, Inc. (Legal Pro), a now defunct staffing company located in Dorchester.
  • Worksite Wellness Programs: Why Workers’ Comp Insurers and Small Businesses Should Team Up

    Robin Kobayashi
    20 Jan 2015 | 6:30 am
    By Robin E. Kobayashi, J.D., LexisNexis Legal & Professional Operations   Small businesses employ 56 percent of the U.S. workforce. They get pounded each year with the high costs of doing business, and they often lack the financial resources, staffing, expertise, management buy-in, or motivation to help reduce some of those costs by implementing a worksite wellness program.   Consequently, small businesses should perk up their ears about a hot-off-the-press study in the Journal of Occupational and Environmental Medicine, in which Pinnacol Assurance, a workers’ comp insurer in…
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    Colorado Health Insurance Insider

  • Kicking off 2015 with the latest from all the wonks

    Louise Norris
    15 Jan 2015 | 4:48 pm
    Vince Kuraitis hosted the first Health Wonk Review of 2015 – the “shake the winter blahs” edition – at his eCareManagement Blog, and it’s full of great articles.  Some of my favorites in this edition: Roy Poses, writing about the “miracle” Hepatitis C drugs and reminding us – as always – to focus on evidence. […] The post Kicking off 2015 with the latest from all the wonks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Check…
  • Expanding Medicaid was the right move in the 80s and still is today

    Louise Norris
    13 Jan 2015 | 10:07 pm
    When the ACA was signed into law almost five years ago (time flies!), one of its cornerstones was the expansion of Medicaid in every state, to cover everyone with incomes up to 133% of the poverty level (plus a 5% income disregard, which essentially makes the threshold 138% of poverty).  That was to be implemented […] The post Expanding Medicaid was the right move in the 80s and still is today appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Colorado CHP+ and exchange subsidy…
  • Healthcare spending is 17% of GDP; we should expect it to be a major line item in household budgets

    Louise Norris
    6 Jan 2015 | 11:25 am
    This USA Today article by Laura Ungar and Jayne O’Donnell is well worth reading.  In a nutshell, it’s all about rising deductibles, and the impact they have on consumers’ ability to pay for health care.  The facts are sobering:  wages have been flat for decades, with the inflation adjusted average hourly wage only increasing by […] The post Healthcare spending is 17% of GDP; we should expect it to be a major line item in household budgets appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research…
  • The final Cavalcade of Risk

    Louise Norris
    24 Dec 2014 | 12:03 pm
    Jay and I started this little blog in the summer of 2006.  We’d had our website up for three years at that point, but we wanted a place to be able to discuss the very dynamic health insurance market and regulations, and to be able to provide updates for our clients as things changed.  To […] The post The final Cavalcade of Risk appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Cavalcade of Risk 2’nd Anniversary!! Cavalcade of Risk Cavalcade of Risk coming on Wednesday
  • Open enrollment should continue into the new year – every year

    Louise Norris
    23 Dec 2014 | 4:02 pm
    The deadline to get a January 1 effective date has passed in Colorado and in most of the rest of the country (in six states you can still enroll and get coverage effective January 1).  And that means that millions of people had their coverage automatically renewed on December 15. In the 37 states that […] The post Open enrollment should continue into the new year – every year appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support. Related posts: Wouldn’t it be more efficient to spread ACA…
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    Home Insurance Blog

  • Hosting a Super Bowl Party? Here’s What You Should Know

    Graham Shorr
    22 Jan 2015 | 12:42 pm
    On Super Bowl Sunday, everything is big. Except for Thanksgiving, Americans consume more food on this day than on any other. The game usually ranks as the most watched television event of the year in the U.S. And with 90% of viewers at their home or someone else’s, that means there are lots of Super Bowl parties – and lots of risk for homeowners. If you’re planning to serve alcohol at your Super Bowl party, you aren’t alone. More than 51 million cases of beer are drunk during the game. But many people don’t know most states have liability laws that hold…
  • Starting an Exercise Program? Keep Safe

    Graham Shorr
    15 Jan 2015 | 7:36 am
    Every January, gyms and studios fill up, runners hit the roads, and swimmers dip into pools. Exercise and weight loss are among the most popular New Year resolutions, most resolvers haven’t had time yet to give up (if they’ve managed to start). The bad news is a newfound zeal for exercise puts many people in the doctor’s office and burdened with medical bills. If you’re starting a new workout routine, you have more to worry about than just maintaining a schedule.  Working out too hard before you’re ready can leave you short of your goals and short on money. Here…
  • Be Safe When Shoveling Snow This Winter

    Shannon Ireland
    7 Jan 2015 | 7:59 am
    Snow seems so beautiful, innocent and charming. Children run out to play during the winter when snowflakes are gently falling from the sky; families build snowmen in the front yard; and friends engage in friendly fire when having snowball fights. However, when heavy snowfall comes your way, as is happening in much of the nation this week, that usually means homeowners must partake in a dreadful winter activity: shoveling. Shoveling snow may seem like a very innocuous task, but it can’t be ignored. Many cities and homeowners associations require you to clear your sidewalks at the least.
  • Insurance and Your New Year’s Resolutions

    Arthur Murray
    1 Jan 2015 | 5:16 am
    Chances are pretty high that you weren’t thinking about insurance when you were watching the ball drop last night – or even when you woke up this morning to start making your New Year’s resolutions. But maybe you should have been. There are a number of insurance-related resolutions you can make that can leave your bank account – and you – healthier and happier in 2015. Let’s get right to it: Shop your coverage Loyalty is great, and sometimes home and auto insurance companies will reward you for it, but sometimes you (and your policies) can get taken for granted.
  • Christmas Aftermath: Your Home Inventory

    Arthur Murray
    28 Dec 2014 | 7:59 am
    As you’re coming to from the daze Christmas, gifts, food and travel puts nearly everyone in, consider giving yourself one more present that could help you this year and beyond. What can do that, you wonder? A home inventory. What’s a home inventory? It’s a comprehensive listing of all your stuff – complete with photos, descriptions, serial numbers, estimated values for your possessions, and even receipts if you have them. Why do you need it? Two reasons, basically, both connected with your home insurance policy. One of the toughest things to do after your home and its contents…
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    Insurance Law Hawaii

  • Appraisers May Determine Causation

    Tred Eyerly
    21 Jan 2015 | 2:01 am
       In a case of first impression, the Iowa Court of Appeals held that an appraisal may determine issues of causation. North Glenn Homeowners Association v. State Farm Fire & Cas. Co., 854 N.W. 2d 67 (Iowa Ct. App. 2014).    On July 15, 2009, North Glenn Homeowners Association submitted a claim to State Farm for hail damage on the roof. The claim was paid. North Glenn did not repair all of the damage, instead deciding to use some of the money to make other repairs to the property.    A second storm hit the development on March 22, 2011, and a second claim was submitted to State Farm…
  • Less Than Perfectly Drafted Endorsement Bars Flood Coverage

    Tred Eyerly
    19 Jan 2015 | 2:01 am
       The court decided that the policy's flood exclusion, despite being poorly located within the policy, barred coverage for loss caused by flood. Great Lakes Int'l Trading Inc. v. Travelers Prop. Cas. Co., 2014 U.S. Dist. LEXIS 165378 (D. Conn. Nov. 26, 2014).      Hurricane Sandy caused flood waters from the Hackensack River in New Jersey to inundate a warehouse where the insured had imported food products stored for sale in the United States. High winds also sheared open parts of the warehouse's roof, allowing extensive rainwater to enter the building.      The…
  • Hawaii Court of Appeals Remands Bad Faith Claim Against Title Insurer

    Tred Eyerly
    14 Jan 2015 | 2:01 am
        The Hawaii Intermediate Court of Appeals (ICA) vacated the trial court's issuance of summary judgment to the title insurer on a bad faith claim and remanded the case. Anastasi v. Fidelity Nat. Title Ins. Co., 2014 Haw. App. LEXIS 585 (Haw. Ct. App. Dec. 30, 2014).    Fidelity issued a title insurance policy to Anastasi insuring that Alajos Nagy had good title to the property. The policy insured Anastasi against loss in the event a mortgage on the property executed by Nagy was not enforceable. Anastasi had loaned $2.4 million to Nagy and Nagy had executed the mortgage in favor…
  • Hawaii Federal Court Grants Insured's Motion for Remand

    Tred Eyerly
    12 Jan 2015 | 2:01 am
       The federal district court, district of Hawaii, recently granted the insured's motion for remand. Catholic Foreign Mission Society of Am., Inc. v. Arrowood Indem. Co., Civ. No. 14-00420, Order Granting Plaintiff's Motion for Remand and Denying Defendants' Motion to Dismiss or Transfer (D. Haw. Dec. 30, 2014) [Order here]. [Full disclosure - our office represents the insured, Maryknoll].    Maryknoll was sued in several lawsuits filed in Hawaii state court by victims of alleged sexual abuse occurring as far back as the 1950s by members of the clergy. Maryknoll was…
  • Additional Insurance Coverage Determined for General Contractor

    Tred Eyerly
    7 Jan 2015 | 2:01 am
       A series of communications requiring the subcontractor to provide additional insured  coverage for the contractor were sufficient to fit within the policy's provision identifying additional insureds. KB Home Tucson, Inc. v. The Charter Oak Fire Ins. Co., 2014 Ariz. App. LEXIS 228 (Ariz. Ct. App. Nov. 25, 2014).     KB, the general contractor, hired CRG Construction Co., Inc. in 1999 to perform work at a residential subdivision in Tucson. Charter Oak provided liability coverage for CRG, including additional insured coverage for any person or entity that CRG was obligated to cover…
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    WordPress Tag: Auto Insurance

  • The Guideline Below Will Help You Find A Great Car Insurance Rate

    8 Jan 2015 | 1:57 pm
    TIP! Make sure you keep your license clean. Any accidents or tickets will drive up the cost of your premiums. Every driver needs to make sure they have good auto insurance. Trying to understand all the information from the many different insurance companies can be overwhelming. Read on to find some useful tips on how to sort through all the information so that you can get the right amount of coverage for the best price. TIP! Learn about the range of coverages before you choose auto insurance. There can be many factors involved with the cost of getting insurance coverage for your vehicle. Cut…
  • Looking For Auto Insurance-Then We Can Help

    8 Jan 2015 | 1:02 pm
    TIP! Be sure to shop around prior to buying an insurance policy. Different companies use different formulas to determine your premium. Auto insurance policies are rife with jargon and complex phraseology. This can seem like a jumbled mess sometimes. This article discusses insurance industry terms in language that you understand. Knowing what the agents are talking about will help you make better choices when it comes to auto insurance. TIP! It is important that your license remains clean. If accidents or tickets appear on your driving record, they may lead to your insurance rates going up.
  • The report every home and car buyer should read

    8 Jan 2015 | 7:21 am
    Professor Plum in The Library with The Candlestick. Perhaps like many of you, that’s what I think of when someone mentions the word Clue. Turns out there’s another iteration – of which only 8% of Americans are familiar with, according to a new survey by And this one could be costing you money. It’s called a CLUE report. The letters stand for Comprehensive Loss Underwriting Exchange and it’s a database, owned by LexisNexis, that stores seven years worth of data on both your homeowners and car insurance claims. A claims history is pretty much the holy grail when…
  • The Problem with Renting Fast Cars: A Special Report of the Auto Rental News

    Gregory J. Johnson
    7 Jan 2015 | 7:10 pm
    A most interesting article by Chris Brown of the Auto Rental News: “Enter the world of brokering, where fleet funding, commercial insurance and even car ownership are not necessities. As the name suggests, brokers connect owners of exotic cars with renters. Simple in its base form, there are many permutations to a brokered car rental transaction. 
In a common scenario, established companies that own the cars and carry fleet insurance regularly horse trade with similar rental companies to better service their customers. This transaction is backed by the contract and insurance of one of…
  • Tips And Strategies For Auto Insurance

    7 Jan 2015 | 5:42 pm
    Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you…
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    Insurance RSS Feed | JD Supra Law News

  • The Directed Trustee in the Post-Dudenhoeffer World

    McDermott Will & Emery
    23 Jan 2015 | 2:15 pm
    Overview - Court cases challenging the actions of Employee Retirement Income Security Act fiduciaries have continued unabated since the scandal of Enron in 2002. Since then, a large number of cases are in the ‘‘stock drop’’ area, which...By: McDermott Will & Emery
  • CAFA Removal Jurisdiction: Using a Plaintiff’s Complaint Against It

    Cozen O'Connor
    23 Jan 2015 | 12:23 pm
    Most cases involving the existence of removal jurisdiction under CAFA involve the $5 million amount in controversy. In a recent Third Circuit opinion, determining whether or not the putative class had the requisite 100 members proved equally...By: Cozen O'Connor
  • Florida Implementing New Insurance Agency Licensing Law

    Foley & Lardner LLP
    23 Jan 2015 | 12:14 pm
    In 2014, the Florida Legislature enacted a law that makes significant changes to the way insurance agencies are licensed in Florida. The new law amends Florida’s insurance agency licensure law, and is intended to streamline the licensing process and...By: Foley & Lardner LLP
  • January 2015: Insurance Litigation Update

    Quinn Emanuel Urquhart & Sullivan, LLP
    23 Jan 2015 | 11:53 am
    Risk Developments in the U.S., UK, and Australia. We have recently had the opportunity to talk to liability insurers in the U.S., UK and Australia about risk developments in those jurisdictions. There are both surprising similarities and differences...By: Quinn Emanuel Urquhart & Sullivan, LLP
  • House Approves Bills to Modify ACA Rules for Employers Related to Part-Time Workers, Veterans

    Reed Smith
    23 Jan 2015 | 11:02 am
    On January 8, 2015, the House of Representatives approved H.R. 30, the “Save American Workers Act.” The legislation would amend the ACA’s definition of “full-time employee” for purposes of the requirement that certain employers provide health care...By: Reed Smith
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  • Item in your wallet you're not using correctly

    25 Jan 2015 | 2:35 am
    Item in your wallet you're not using correctlyGettyAmericans have slowly been transitioning from using credit cards to using debit cards -- but are they making the right financial choice?Payment method to avoid hasslesMore in financeWays piggy banks are smarter15 apps to reorganize your life
  • Simple trick gives hair a hassle-free glow

    25 Jan 2015 | 2:35 am
    Simple trick gives hair a hassle-free glowGetty You don't have to spend hours at the salon to get a fresh, light, Jessica Alba-style look this year.Plus, you won't need to worry about touching up your rootsMore from LifescriptFeel better this winterHow to protect your eyes
  • This home is a stunning optical illusion

    25 Jan 2015 | 2:35 am
    This home is a stunning optical illusionF2 ArchitectsAt first glance, the house looks like it's floating on the ocean -- and the views from inside are even more stunning.Rest of photo reveals home's secretTake a lookWhat is a weather bomb?How much does snow weigh?
  • Hard to believe where old NYC subways end up

    25 Jan 2015 | 2:35 am
    Hard to believe where old NYC subways end upAPSome out-of-date cars went from carrying over one billion riders to a watery grave at the bottom of the ocean.Final resting place you have to see Take a peekNASA paying people to get in bedWhat really makes us sneeze?
  • Lohan shares bizarre selfie as she battles virus

    25 Jan 2015 | 2:35 am
    Lohan shares bizarre selfie as she battles virusInstagramThe actress took to Instagram Saturday to post a strangely revealing photo as she fights off a rare mosquito-borne virus. Rest of image may startle youMore entertainmentCops visit Richard Simmons homeJeana back to 'Real Housewives'
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  • Item in your wallet you're not using correctly

    25 Jan 2015 | 2:35 am
    Item in your wallet you're not using correctlyGettyAmericans have slowly been transitioning from using credit cards to using debit cards -- but are they making the right financial choice?Payment method to avoid hasslesMore in financeWays piggy banks are smarter15 apps to reorganize your life
  • Simple trick gives hair a hassle-free glow

    25 Jan 2015 | 2:35 am
    Simple trick gives hair a hassle-free glowGetty You don't have to spend hours at the salon to get a fresh, light, Jessica Alba-style look this year.Plus, you won't need to worry about touching up your rootsMore from LifescriptFeel better this winterHow to protect your eyes
  • This home is a stunning optical illusion

    25 Jan 2015 | 2:35 am
    This home is a stunning optical illusionF2 ArchitectsAt first glance, the house looks like it's floating on the ocean -- and the views from inside are even more stunning.Rest of photo reveals home's secretTake a lookWhat is a weather bomb?How much does snow weigh?
  • Hard to believe where old NYC subways end up

    25 Jan 2015 | 2:35 am
    Hard to believe where old NYC subways end upAPSome out-of-date cars went from carrying over one billion riders to a watery grave at the bottom of the ocean.Final resting place you have to see Take a peekNASA paying people to get in bedWhat really makes us sneeze?
  • Lohan shares bizarre selfie as she battles virus

    25 Jan 2015 | 2:35 am
    Lohan shares bizarre selfie as she battles virusInstagramThe actress took to Instagram Saturday to post a strangely revealing photo as she fights off a rare mosquito-borne virus. Rest of image may startle youMore entertainmentCops visit Richard Simmons homeJeana back to 'Real Housewives'
  • add this feed to my.Alltop

  • Item in your wallet you're not using correctly

    25 Jan 2015 | 2:35 am
    Item in your wallet you're not using correctlyGettyAmericans have slowly been transitioning from using credit cards to using debit cards -- but are they making the right financial choice?Payment method to avoid hasslesMore in financeWays piggy banks are smarter15 apps to reorganize your life
  • Simple trick gives hair a hassle-free glow

    25 Jan 2015 | 2:35 am
    Simple trick gives hair a hassle-free glowGetty You don't have to spend hours at the salon to get a fresh, light, Jessica Alba-style look this year.Plus, you won't need to worry about touching up your rootsMore from LifescriptFeel better this winterHow to protect your eyes
  • This home is a stunning optical illusion

    25 Jan 2015 | 2:35 am
    This home is a stunning optical illusionF2 ArchitectsAt first glance, the house looks like it's floating on the ocean -- and the views from inside are even more stunning.Rest of photo reveals home's secretTake a lookWhat is a weather bomb?How much does snow weigh?
  • Hard to believe where old NYC subways end up

    25 Jan 2015 | 2:35 am
    Hard to believe where old NYC subways end upAPSome out-of-date cars went from carrying over one billion riders to a watery grave at the bottom of the ocean.Final resting place you have to see Take a peekNASA paying people to get in bedWhat really makes us sneeze?
  • Lohan shares bizarre selfie as she battles virus

    25 Jan 2015 | 2:35 am
    Lohan shares bizarre selfie as she battles virusInstagramThe actress took to Instagram Saturday to post a strangely revealing photo as she fights off a rare mosquito-borne virus. Rest of image may startle youMore entertainmentCops visit Richard Simmons homeJeana back to 'Real Housewives'
  • add this feed to my.Alltop

  • Item in your wallet you're not using correctly

    25 Jan 2015 | 2:35 am
    Item in your wallet you're not using correctlyGettyAmericans have slowly been transitioning from using credit cards to using debit cards -- but are they making the right financial choice?Payment method to avoid hasslesMore in financeWays piggy banks are smarter15 apps to reorganize your life
  • Simple trick gives hair a hassle-free glow

    25 Jan 2015 | 2:35 am
    Simple trick gives hair a hassle-free glowGetty You don't have to spend hours at the salon to get a fresh, light, Jessica Alba-style look this year.Plus, you won't need to worry about touching up your rootsMore from LifescriptFeel better this winterHow to protect your eyes
  • This home is a stunning optical illusion

    25 Jan 2015 | 2:35 am
    This home is a stunning optical illusionF2 ArchitectsAt first glance, the house looks like it's floating on the ocean -- and the views from inside are even more stunning.Rest of photo reveals home's secretTake a lookWhat is a weather bomb?How much does snow weigh?
  • Hard to believe where old NYC subways end up

    25 Jan 2015 | 2:35 am
    Hard to believe where old NYC subways end upAPSome out-of-date cars went from carrying over one billion riders to a watery grave at the bottom of the ocean.Final resting place you have to see Take a peekNASA paying people to get in bedWhat really makes us sneeze?
  • Lohan shares bizarre selfie as she battles virus

    25 Jan 2015 | 2:35 am
    Lohan shares bizarre selfie as she battles virusInstagramThe actress took to Instagram Saturday to post a strangely revealing photo as she fights off a rare mosquito-borne virus. Rest of image may startle youMore entertainmentCops visit Richard Simmons homeJeana back to 'Real Housewives'
  • add this feed to my.Alltop

  • Item in your wallet you're not using correctly

    25 Jan 2015 | 2:35 am
    Item in your wallet you're not using correctlyGettyAmericans have slowly been transitioning from using credit cards to using debit cards -- but are they making the right financial choice?Payment method to avoid hasslesMore in financeWays piggy banks are smarter15 apps to reorganize your life
  • Simple trick gives hair a hassle-free glow

    25 Jan 2015 | 2:35 am
    Simple trick gives hair a hassle-free glowGetty You don't have to spend hours at the salon to get a fresh, light, Jessica Alba-style look this year.Plus, you won't need to worry about touching up your rootsMore from LifescriptFeel better this winterHow to protect your eyes
  • This home is a stunning optical illusion

    25 Jan 2015 | 2:35 am
    This home is a stunning optical illusionF2 ArchitectsAt first glance, the house looks like it's floating on the ocean -- and the views from inside are even more stunning.Rest of photo reveals home's secretTake a lookWhat is a weather bomb?How much does snow weigh?
  • Hard to believe where old NYC subways end up

    25 Jan 2015 | 2:35 am
    Hard to believe where old NYC subways end upAPSome out-of-date cars went from carrying over one billion riders to a watery grave at the bottom of the ocean.Final resting place you have to see Take a peekNASA paying people to get in bedWhat really makes us sneeze?
  • Lohan shares bizarre selfie as she battles virus

    25 Jan 2015 | 2:35 am
    Lohan shares bizarre selfie as she battles virusInstagramThe actress took to Instagram Saturday to post a strangely revealing photo as she fights off a rare mosquito-borne virus. Rest of image may startle youMore entertainmentCops visit Richard Simmons homeJeana back to 'Real Housewives'
  • add this feed to my.Alltop - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • India explores catastrophe bonds for nuclear liability issue

    23 Jan 2015 | 7:50 am
    According to newspaper reports the Indian government has been considering a catastrophe bond type structure, possibly combined with a sovereign guarantee, in order to overcome a fear foreign suppliers have over its nuclear liability laws. The issue has come to the fore as a deal on nuclear power development between India and the U.S. is looking at risk due to foreign suppliers fear over a strict liability law that India introduced. As Bloomberg explains, the law, which was introduced by the Indian Parliament in 2010, has stalled foreign investment in India’s nuclear power industry. This…
  • Pandemic catastrophe bonds hit the Davos WEF agenda

    23 Jan 2015 | 6:09 am
    The topic of providing risk transfer and financing to cover pandemic risks using catastrophe bonds has reached the World Economic Forum in Davos, Switzerland this week, according to the FT, as the world comes to terms with the threat that could be posed by outbreaks causing high mortality levels. Artemis first covered about the potential for greater use of catastrophe bonds to cover pandemic risks back in June 2008, when we wrote that the capital markets could provide a robust risk transfer alternative for pandemic risks. In that 2008 article we cite reinsurance broker Guy Carpenter, who…
  • SCOR in $150m Atlas IX Capital 2015-1 wind & quake cat bond

    23 Jan 2015 | 12:47 am
    French reinsurance firm SCOR is back in the ILS market with a proposed $150m U.S. wind, U.S. and Canada earthquake catastrophe bond Atlas IX Capital Limited (Series 2015-1), as it seeks to expand its capital markets sourced retrocession coverage. This is the second issuance of insurance-linked securities (ILS) through SCOR’s Ireland domiciled issuer Atlas IX Capital Limited. The first, and SCOR’s last cat bond, was the 2013 issued Atlas IX Capital Limited (Series 2013-1) mortality cat bond, which secured SCOR’s life reinsurance entity $180m of retro protection. This 2015…
  • Leading re/insurance firms launch microinsurance initiative at Davos

    22 Jan 2015 | 11:32 pm
    A consortium of leading insurance and reinsurance underwriting and broking firms have launched a micro insurance consortium and micro insurance venture incubator (MVI) at the World Economic Forum event in Davos, Switzerland today. Participants in the consortium are all leading lights in the insurance and reinsurance sector. Backing it are American International Group, Inc., Aspen Insurance Holdings Limited, Catlin Group Limited LLC, Guy Carpenter & Company, LLC together with Marsh & McLennan Companies, Inc., Hamilton Insurance Group, Ltd., Transatlantic Reinsurance Company, X.L.
  • Soft market, new capital, structural change, the threats to reinsurers: Fitch

    22 Jan 2015 | 8:27 am
    The reinsurance market is moving beyond simply being soft into something “more structural”, as low pricing and competition from ILS and alternative capital continue to threaten the traditional reinsurance model, according to Fitch. Speaking at a roadshow event held in London this morning, Martyn Street, a Senior Director at Fitch Ratings, said that the threat to traditional reinsurers remains and shows no signs of abating, as the sectors evolution is “moving beyond a soft market into something more structural.” The soft market and reduction in pricing, which has begun…
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  • P&C Files: That's *NOT* How It Works!

    24 Jan 2015 | 1:34 pm
    [click pic to embiggen][Hat Tip: DoIB Sarah S]Original content copyright © InsureBlog
  • Flashback Friday

    23 Jan 2015 | 6:54 am
    Our 2nd ever post here was a recap of the "Top Insurance Swindlers" of Ought-four. It was a rogues gallery that included a "greedy granny" and an arsonist pastor, among others (no mention of the apocryphal cigar owner). In fact, you'll notice an edit dated earlier this month: a business owner had emailed me requesting that I modify an entry because - ten years on - it was adversely affecting her business.Fast forward a decade, and we have the truly inspirational story of an entire family of (alleged) insurance fraudsters:"Authorities said the ensuing probe uncovered a decades-long pattern of…
  • Obamacare with Thin Crust or Thick?

    22 Jan 2015 | 7:02 am
    Next time you order a pizza think about Obamacare. The same folks that brought us lower health insurance premiums and better coverage are helping us make better choices when it comes to pizza.The FDA finalized an Obamacare-mandated rule in November that requires restaurants to display calorie information on their menus. However, there appears to be some confusion over what the FDA calls a “menu.”I J ReviewA menu is what the server hands you in a restaurant.But it can also be a web page, advertising flyer, clip and save coupon .........To make matters more complicated,Considering that…
  • Medicaid and Long Term Care

    22 Jan 2015 | 6:28 am
    Many folks continue to believe - erroneously - that Medicare will cover most (if not all) of their long term care needs. It won't. But Medicaid probably will, if you lack the assets to self-pay.Unfortunately, this requires that one "spend down" one's assets, accumulated over a lifetime of toil. To qualify for assistance from Medicaid to cover long term care expenses, one is allowed to keep only a small amount of cash, a home and a car, maybe a few baubles.The good news is that buying a Partnership-qualified long term care insurance plan, one may offset some of that spend down, and keep more…
  • Is really just a massive voter data collection tool for DNC? [UPDATED]

    21 Jan 2015 | 12:30 pm
    [Scroll down for update] Seeing how Obama has abused the IRS and voter registration this isn't such a stretch: "Daoudi's company — Catchpoint Systems— came across some 50 third-party connections embedded on They attracted attention because such connections can slow down websites. They work in the background, unseen to most consumers.The AP was able to replicate the results. In one 10-minute visit to recently, dozens of websites were accessed behind the scenes. They included Google's data-analytics service, Twitter, Facebook and a host of online advertising…
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    Workers Comp Insider

  • "Shake the Winter Blahs" Edition of Health Wonk Review

    Julie Ferguson
    15 Jan 2015 | 9:01 am
    Hot off the press - Vince Kuraitis posts the first Health Wonk Review of the new year, ">"Shake the Winter Blahs" Edition at the e-Care Management Blog. There's the usual grab-bag of topics from some smart heath policy bloggers: Did you know that there's a brouhaha over Hepatitis C Drugs? You can find out more about it in this edition....
  • Graveyard shift may be living up to its name: shift work & nursing health risks

    Julie Ferguson
    14 Jan 2015 | 5:01 am
    The night shift is commonly referred to as the graveyard shift and a new study about associated health risks shows that it might be aptly named. Previously, the World Health Organization has linked working the night shift to cancer, based on studies with nurses. Now, a new study published in the American Journal of Preventive Medicine this month, shows that...
  • TRIA, mining fatalities, FL repackaged drugs, 2015 trends, 2014 recap & more noteworthy news

    Julie Ferguson
    12 Jan 2015 | 6:04 am
    Senate Passes TRIA; Bill Goes to President Obama's Desk - "In addition to reauthorizing the TRIA program for six years, the bill raises the trigger amount needed in total losses before the TRIA program kicks in from the current $100 million to $200 million, over five years, beginning in calendar year 2016. Also over five years, starting Jan. 1, 2016,...
  • Cavalcade of Risk: The Swan Song Edition

    Julie Ferguson
    29 Dec 2014 | 5:59 am
    Hank Stern of InsureBlog is hosting the Swan Song Edition of Cavalcade of Risk ... please check it out, it's a great holiday edition with an eclectic roundup of posts from some of our favorite bloggers. It's also the end of an era that launched back in 2006. For 224 biweekly editions of this risk roundup, Hank has been the...
  • LexisNexis: Furthering the Workers Comp Community

    Tom Lynch
    22 Dec 2014 | 7:22 am
    I am not a lawyer, thank you very much, but I am married to one. So, you may imagine that I am familiar with more than a few members of the breed. I've heard every lawyer joke there is (but if you want to send me a couple of your favorites, that would be OK). In the mid-1980s, the early...
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    Managed Care Matters

  • Friday catch up, and follow up on the Aetna-CWCS story

    Joe Paduda
    23 Jan 2015 | 5:51 am
    Congratulations to Accident Fund’s Jeffrey Austin White – Jeff has been named Director of Innovation at the top-ten workers’ comp insurer.  I’m honored to consider Jeff a good friend.  He’s also one of the smartest people I know, and has two other all-too-rare abilities; he gets to the crux of knotty issues very, very quickly, and communicates really technical, complex stuff clearly and simply - so much so that we far-less-brilliant folks can actually understand it. Kudos to Lisa Corless, AF’s Chief Administrative Officer for creating the position.
  • Drugs dispensed by docs may be well dangerous

    Joe Paduda
    21 Jan 2015 | 5:39 am
    Greg Jones has done a masterful job finding out just who is manufacturing the new “novel” drugs being dispensed by docs to workers’ comp claimants. In his piece in today’s WorkCompCentral, Jones finds there are just seven companies manufacturing the three novel drugs with unique strengths about which WCRI concluded “it is likely that financial incentives drove some physicians to choose the strength for their patients.” [link leads to abstract, full report available for purchase here] According to the piece; Several of the companies [manufacturing the…
  • Tuesday catch-up

    Joe Paduda
    20 Jan 2015 | 7:55 am
    Here’s what happened over the MLK weekend… Kudos to Sen. Amy Klobuchar (D Minn) for her efforts to reduce Medicare drug prices.  She introduced a bill that would allow CMS to negotiate drug prices, a seeming no-brainer.  Reasons to support the bill: reduces Medicare recipients’ drug costs reduces taxpayers costs reduces the Federal deficit Reasons to oppose the bill: Big pharma, which donates gazillions to politicians, hates it. Speaking of which, two states are suing Bug Pharma for damages associated with opioid abuse.  A lawsuit against Purdue, manufacturer of…
  • I’m not working Monday

    Joe Paduda
    19 Jan 2015 | 4:44 am
    Instead I’ll be finishing ‘The Half has Never Been Told’, the most disturbing book I’ve ever read. Like many, or perhaps most, I’ve not taken Martin Luther King Day seriously in the past.  When I had it off, I used it as a catch-up day.  When I didn’t (the last 18 years) I almost always worked. My decision is not so much about Dr. King as it is about values.  What he stood for, what he died for, what he worked for is in peril.  The events of the last few months coupled with the lack of economic progress over decades for many people of color have been a…
  • Aetna raises minimum wage, then cuts work comp staff

    Joe Paduda
    16 Jan 2015 | 12:18 pm
    Monday, Aetna announced it will be increasing the company’s minimum wage to $16/hour.  In the internal memorandum provided to managers, the company said “We will not be funding this program through job eliminations… According to a source, during a company-wide webcast earlier this week, CEO Mark Bertolini said “We do NOT anticipate any lay offs. There is plenty of room for employment within the company.  That would of happened in December if we were going to do anything like that.  We are past that.” Wednesday, 11 employees in Coventry Workers’ Comp…
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    Insurance Industry Blog

  • Insurance Industry Gives Back

    23 Jan 2015 | 9:38 am
    I.I.I.’s new California representative Janet Ruiz brings us this timely report from the insurance industry’s first philanthropic roundtable of the new year: The first of three 2015 insurance industry philanthropic roundtables was held earlier this week in Woodland Hills, CA at Farmers Insurance to discuss the landscape of philanthropy with the theme of disaster resilience. Speakers at the meeting presented case studies of successes such as the partnership of Farmers Insurance with the Saint Bernard Project to rebuild Joplin, Missouri. The Insurance Information Institute…
  • Cyber Value-At-Risk

    22 Jan 2015 | 8:19 am
    Measures and methods widely used in the financial services industry to value and quantify risk could be used by organizations to better quantify cyber risks, according to a new framework and report unveiled at the World Economic Forum annual meeting. The framework, called “cyber value-at-risk” requires companies to understand key cyber risks and the dependencies between them. It will also help them establish how much of their value they could protect if they were victims of a data breach and for how long they can ensure their cyber protection. The purpose of the cyber value-at-risk…
  • On Moral Hazard in Health Insurance

    20 Jan 2015 | 5:12 am
    As we look ahead to tonight’s State of the Union address, I.I.I. chief actuary Jim Lynch brings us a book review on the perennial issue of health insurance: When Target wants to sell more shirts, it puts them on sale. The retailer knows that the less something costs, the more likely you are to buy it. Health care is more complicated, in no small part because the customer is buying something he or she would rather not need. If your doctor halved the fee for open-heart surgery, for example, you wouldn’t submit to it twice. For other procedures, the situation is murkier. Most people…
  • WEF: New Technologies Present Regulatory Challenges

    15 Jan 2015 | 7:33 am
    How to balance the risks and rewards of emerging technologies is a key underlying theme of the just-released World Economic Forum (WEF) 2015 Global Risks Report. The rapid pace of innovation in emerging technologies, from synthetic biology to artificial intelligence has far-reaching societal, economic and ethical implications, the report says. Developing regulatory environments that can adapt to safeguard their rapid development and allow their benefits to be reaped, while also preventing their misuse and any unforeseen negative consequences is a critical challenge for leaders. John Drzik,…
  • Self-Driving Cars – With or Without You?

    12 Jan 2015 | 3:55 pm
    We’re reading that self-driving cars are no longer a thing of the future, but it’s in the subhead of this Time article: how long will it be before your car no longer needs you? where the heart of the story lies. Jason H. Harper writes of how he earned one of the first new driverless motor licenses – technically known as an “autonomous vehicle testing” permit – from the California DMV. He then describes his chauffeured ride by a prototype Audi from Silicon Valley to Las Vegas for last week’s Consumer Electronics Show: The car uses an array of sensors, radars and a front-facing…
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    Go Health Insurance Blog

  • How Do I Find a Doctor Who Takes My Health Insurance?

    21 Jan 2015 | 11:49 pm
    There are many factors to consider when shopping for a new health plan: how much it will cost, what your medical priorities are for the coming year, and whether or not your preferred doctors are in the plan’s network. However, some people don’t have a preferred doctor and are simply looking for the best plan that they can afford. Once you choose a plan based on cost or any other details, ask yourself these questions to ensure you find a doctor who accepts your health insurance. Otherwise, you could be stuck with a hefty medical bill after your next office visit.    Is my doctor in my…
  • When does my new health plan take effect?

    20 Jan 2015 | 11:27 pm
    As we finally near the end of Open Enrollment and the February 15 deadline, we’re sure you’re wondering when you can actually start using that wonderful plan you purchased. Plans purchased by the 15th of the month can take effect on the 1st of the next month. If you enroll on February 15, your coverage can begin on March 1, assuming you pay your first month’s premium. However, if you wait until after the 15th of the month to enroll, your plan may not take effect until the month after the next month. For example, if you enrolled on January 16, your coverage will not start until March 1…
  • Will I really get fined for not having health insurance?

    18 Jan 2015 | 11:43 pm
    Most Americans must have health insurance or face a fine, according to the Affordable Care Act. Is this penalty something you can easily avoid, or could your wallet be hit hard if you don’t comply? The simple answer: most Americans who choose to go uninsured will face a government tax penalty, and the details of the fine may surprise you. Consider the cost of going uninsured The tax penalty was expensive enough in 2014, but once the calendar flipped to 2015, the penalties more than doubled. This year, the penalties for not carrying health coverage are 2 percent of your yearly household…
  • What should you look for in a health insurance plan?

    13 Jan 2015 | 11:18 pm
    The process of choosing a health plan can feel overwhelming. They’re packed full of valuable information you need to understand, but it can all be difficult to digest. Before you put off enrollment even longer, we’ve narrowed down all that fine print to help you find the plan that’s right for you. 1. Consider the cost. Your application for coverage will include questions about your income and household size, which will help determine your health insurance costs. The cost of coverage most often consists of: A monthly premium, which is a set amount you pay for your plan. Out-of-pocket…
  • How Much Does a Monthly Premium Cost in Your City?

    12 Jan 2015 | 11:50 pm
    You may have noticed that 2015 health plan premium costs vary. Most specifically, premiums vary by geographic location, and they are also dependent on how many plans are available in that specific area of the country. For example, someone in the state or county next door may have different plan options than you do. For instance, take Illinois and Louisiana. This year there are 10 insurers on the Marketplace in Illinois and only five in Louisiana. The monthly premium for a benchmark silver plan in Louisiana is priced $81 higher than the benchmark silver plan in Illinois. As for choice, a…
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    Irish Life Blog

  • 59% of adults claim to have never invested money before

    Irish Life
    9 Jan 2015 | 2:26 am
    On 8th January, 2015 – Irish Life held a briefing session looking at the investment landscape for 2015, including key themes and trends in the corporate, retail and investment management markets. We also highlighted the need for pension reform and unveiled new research into consumer attitudes to investing and the risk appetite among Irish investors in general. David Harney, MD Irish Life Corporate Business (left) with Bill Kyle, CEO Irish Life Group, Patrick Burke, MD Irish Life Investment Managers and Gerry Hassett, MD Irish Life Retail The briefing touched on the need to tackle the…
  • Eircom Spider Awards 2014

    Stephen Hayden
    21 Nov 2014 | 7:30 am
    Yesterday (Thurs 20th) we had the opportunity to shake the dust off our tuxedo and stir on down to the convention centre to see if we had done enough hard work to win an Eircom Spider award. We hadn’t. Doh! We were up for an award in the category of ‘Web Analytics & Optimisation’. In fairness we’ve done a lot of great work in this area and while we didn’t win the award we take solace in knowing that it’s the taking part that matters… as everyone says when they lose. Over the last year we’ve spent a lot of time and energy working on improving…
  • Halloween in Ireland!

    Colin O'Hara
    30 Oct 2014 | 8:09 am
    We’re a strange old bunch, aren’t we? When not shunning our Mammies on Facebook, we’re off donning black bin bags and hiding jewelry in baked goods. Halloween’s around the corner, and he’s dressed in a Captain America muscle suit, so it’s time to let you all know what we’ve learned about how people in Ireland celebrate this time of year. Among other things, we found out that; – 40% of us carve our own pumpkin each year. – Over 4 in 10 of us have watched the Movie Halloween on Halloween night. Plenty more like that in our Infographic below.
  • Our take on Budget 2015

    Irish Life
    15 Oct 2014 | 4:13 am
    Budget day in recent years has been a stressful time for Irish families. So in many ways budget 2015 was a welcome relief, bringing as it did a series of tax cuts and relief measures to Irish households. The economic and fiscal backdrop to the 2015 budget is the most favourable since the beginning of the financial crisis, and contributed to the government’s decision not to adopt the €2bn budget adjustment which had been planned a year ago. This is evident in the recent GDP release for Quarter 2, which showed the economy growing 7.7% year on year. Domestic demand is now contributing…
  • We Know Irish life – And we know your social media habits!

    Colin O'Hara
    9 Oct 2014 | 4:22 am
    With over one million customers in Ireland and 75 years in the business, we know a thing or two about Irish Life. But we like to keep on top of things! So we did a little research on Ireland’s social media habits. What did we find? Well, broadly, we found out that Irish people are very careful when it comes to how their Facebook profile looks; • 1 in 5 only post things on social media that make them look exciting • Only 55% allow themselves to be tagged in images on Facebook • 37% only check-in on Facebook if they are somewhere interesting One can only wonder why… • 40% of…
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  • It Pays to Save

    Fran Shaw
    22 Jan 2015 | 1:15 pm
    A wise spender has a budget. If you don’t have a budget, you’re likely spending far too much money on unnecessary things. In order to help you better manage your time and money, we’ve created a step-by-step list on how to create a budget. Compile your statements – Gather any financial statements you have. Your phone bill, electric bill, bank statements, etc. The first step in spending wisely is realizing what exactly you’re already spending your money on. What’s your source of income? – Find out just how much you’re making each month. Maybe this…
  • Make a Great First Impression

    Fran Shaw
    20 Jan 2015 | 11:01 am
    Whether you’re preparing for a job interview, press conference, or date; you need to put your best foot forward in order to get what you want. Miller’s has compiled a few tips that will have you exuding confidence in any situation you may be in. You only get one chance to make a great first impression! You Can Always Get What You Want What’s your intention? Do you want a promotion? A romantic relationship? Maybe you simply want more respect from your peers or coworkers. It’s important to walk into every room and conversation knowing what you want to get out of it.
  • Please join me for “2014 Year in Review: A National Insurance Recovery Webinar”

    Scott Godes
    17 Jan 2015 | 7:24 pm
    As noted previously , at ‘s , I welcome you to mark your calendar and join us for a national insurance recovery webinar on Tuesday, Jan. 27 at 3 p.m. (Eastern). The will review 2014’s major legal developments and trends in insurance coverage and recovery. You will learn more about how the events of the past year affected: Directors and Officers (D&O) coverage Excess umbrella liability coverage Coverage for business torts and consumer false advertising claims Coverage for environmental contamination claims Cyber liability and data breach BARNES & THORNBURG SPEAKERS  …
  • Pleased to be quoted in “Insurers Cover Fraction of Costs in Catholic Dioceses’ Clergy Abuse Cases.”

    Scott Godes
    17 Jan 2015 | 6:51 pm
    As noted previously , at ‘s , I’m pleased to note that I was quoted in ’s .” For further details, I welcome you to check out . Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states. The opinions on this blog do not necessarily reflect those of the author’s law firm and/or the author’s past and/or present clients. By reading it, no attorney-client relationship is formed. If you want legal advice, please retain an attorney licensed in your jurisdiction. The opinions expressed…
  • Pleased to be inducted into the American College of Coverage and Extracontractual Counsel

    Scott Godes
    17 Jan 2015 | 6:44 pm
    As noted previously , at ‘s , I’m pleased to announce that I have been elected to the . For further details, I welcome you to check out  and the . Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states. The opinions on this blog do not necessarily reflect those of the author’s law firm and/or the author’s past and/or present clients. By reading it, no attorney-client relationship is formed. If you want legal advice, please retain an attorney licensed in your jurisdiction. The opinions…
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  • 23 Things Poor People Have to Worry About That Wealthier People Never Even Have to Think About

    24 Jan 2015 | 6:00 am
    A recent Reddit thread discussed experiences people had while experiencing poverty, with a particular focus on those things that people are forced to buy or do that people who aren't poor never have to think about, much less worry about. In thousands of comments, people recounted hundreds upon hundreds of stories of trying to find ways to maintain a minimal lifestyle in the face of extreme poverty.  One of the things that labor unions were created to do, and a key focus of the AFL-CIO's Raising Wages campaign, was to prevent workers from having to suffer through these hardships and in…
  • Union Plus Scholarship Deadline Is Jan. 31

    23 Jan 2015 | 6:00 am
    Time is running out to apply for the 2015 Union Plus college scholarship program for union members and their children. Applications must be submitted by noon Eastern time on Jan. 31. Since 1992, the program has awarded more than $3.6 million to students of more than 2,400 working families. The awards will range from $500 to $4,000 and are for study beginning in the fall each year. Students may re-apply each year.
  • McCain Amendment Could Scuttle U.S. Maritime Industry

    22 Jan 2015 | 12:10 pm
    While many lawmakers are focusing on creating, maintaining and even bringing back jobs to the United States, Sen. John McCain (R- Ariz.) is pushing legislation that threatens 400,000 U.S. shipbuilding, seafaring and supply chain jobs in the maritime industry.
  • What’s in the State of the Union for Young Workers?

    22 Jan 2015 | 7:00 am
    As AFL-CIO President Richard Trumka noted, President Barack Obama’s State of the Union address Tuesday night was filled with “eloquent and forceful advocacy for working families,” including combating income inequality, raising wages and strengthening unions. Obama’s address also contained a number of proposals that would have a significant impact on young workers and that also coincide with the recently released AFL-CIO’s youth economic platform.
  • Take Action: National Call-In Week Against Fast Track

    21 Jan 2015 | 11:00 am
    The new Republican-controlled Congress isn't wasting any time in pushing policies that will harm working families. How long will it be until they start pushing for Fast Track trade authority, potentially one of the most devastating ideas that has serious traction in Washington, D.C., right now? The good news is that you don't have to sit around waiting for it to happen, you can take action now.
  • add this feed to my.Alltop | P/C insurance

  • Menefee elected chairman of IIHS

    IFAwebnews Staff
    23 Jan 2015 | 9:52 am
    Neal Menefee, senior vice president of regional insurer Rockingham Group, has been elected chairman of the Insurance Institute for Highway Safety (IIHS). Through units including Rockingham Insurance Co., Rockingham provides personal and commercial property-casualty products in Virginia and Pennsylvania. The firm is based in Harrisonburg, Pa. W. Neal Menefee Menefee succeeds Jeff Gendron, senior vice president, property/casualty operations, Country Financial, who served as IIHS chairman during 2014 and will continue to serve as a Board member. “IIHS has a proud tradition of advancing…
  • Schmidt begins phased retirement at Glatfelter; Solari, Partridge assume new roles

    IFAwebnews Staff
    23 Jan 2015 | 9:33 am
    John Solari has been promoted to president of Glatfelter Underwriting Services and chief underwriting officer for Glatfelter Programs, and Jim Partridge was named president of insurance company operations by Glatfelter Insurance Group (GIG) in York, Pa. Mark Schmidt Both promotions became effective this month as part of the previously announced phased-retirement of Mark Schmidt, chief underwriting officer for Glatfelter Programs and president of insurance company operations. Schmidt, who has been with GIG for more than 40 years, will achieve full retirement in 2016. Solari had served as chief…
  • Willis expands in London with majority stake in Miller

    IFAwebnews Staff
    23 Jan 2015 | 7:51 am
    Willis Group Holdings Plc, the third-largest insurance broker by market value, announced that it will take a majority stake in Miller Insurance Services to expand in London. Willis will take an 85 percent stake, and partners of Miller will retain the remainder, the London-based buyer said in a statement. The deal is expected to be completed next quarter, according to the statement. Terms of the deal were not disclosed. Willis has been making acquisitions to add clients as he trims expenses by moving jobs to lower-cost locations. Willis Chief Executive Officer Dominic Casserley has announced…
  • Risk management solution firm opens new Md. headquarters

    IFAwebnews Staff
    22 Jan 2015 | 8:35 am
    iJET International, Inc., a provider of integrated risk management solutions, announced the opening of its technologically advanced, new headquarters in Annapolis, Md. This cutting-edge facility consolidates all of the Annapolis based company’s offices under a single roof to create one Global Integrated Operations Center, a state of the art environment designed for cross team collaboration and efficiency. Bruce McIndoe Designed to foster interaction and teamwork, the 30,000+ square-foot location features mobile work stations so that teams can come together physically to work in concert…
  • Insurers join forces to serve risk needs in developing countries

    IFAwebnews Staff
    22 Jan 2015 | 8:29 am
    A group of international companies in the insurance industry announced that they have established a micro insurance consortium and micro insurance venture incubator (MVI). The MVI has committed to launching ten micro insurance ventures over the next ten years that will deliver solutions to address the risk management needs of the underserved, according to a statement from the consortium. The consortium consists of American International Group, Inc., Aspen Insurance Holdings Limited, Catlin Group Limited LLC, Guy Carpenter & Company, LLC together with Marsh & McLennan Companies, Inc.,…
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    Insure Life Surpasses Your Expectations

  • Life Insurance Benefits Vary by Stakeholder Group

    4 Jan 2015 | 6:28 pm
    In previous blog entries, I have reviewed many of the potential benefits of life insurance products, and the importance of having a plan in place to help achieve and maximize potential outcomes.  In this entry, I will review how varying stakeholder objectives may influence the realization of life insurance benefits.  The decision to purchase life insurance typically involves a long term financial commitment.  Before committing substantial financial resources to purchase life insurance products, it is worthwhile for stakeholders to take the necessary time to understand and…
  • 10 critical success factors for permanent life insurance plans, Pt. 2

    30 Nov 2014 | 6:00 pm
    Part 1 reviewed ten critical success factors for permanent life insurance plans during the Procurement Phase.  The Procurement Phase includes all items in the sale and implementation of the life insurance plan, including carrier and product selection, policy design, and application and underwriting process.  Similarly, Part II identifies ten critical success factors for the Administration Phase, which includes all aspects after the life insurance plan is in place.Based on lessons learned, below are ten Administration Phase critical success factors for permanent life insurance plans…
  • 10 critical success factors for permanent life insurance plans, Pt. 1

    30 Oct 2014 | 7:44 am
    Regardless of the complexity of a permanent life insurance plan, there are many factors that impact or contribute to its overall success. These critical success factors can be separated into the procurement phase or administration phase. The procurement phase includes all items in the sale and the implementation of the life insurance plan, including the carrier and product selection, policy design, application and underwriting process. The administration phase includes all aspects after the life insurance plan is in place. Based on lessons learned, below are 10 procurement phase critical…
  • Top Ten Life Insurance Benefits

    9 Oct 2014 | 5:55 pm
    Life insurance products are purchased for a variety of purposes since they can provide many benefits to plan stakeholders.  Below is a list of my current top ten benefits for life insurance plans (in no particular order):Death Benefits – Death benefits are cash benefits that are payable upon the insured’s death.Living Benefits – Living benefits are cash benefits that may be payable during the life of the insured.  Living benefits may include accessing cash surrender values via withdrawals, surrenders, and/or loans, the payment of long term care or disability benefits, or…
  • Benefits Realization for Life Insurance

    14 Sep 2014 | 8:09 am
    Life insurance can provide many benefits to multiple stakeholders, including the policy insured and beneficiaries.  To achieve the desired level of benefits from a life insurance plan, it is important to implement a Benefits Realization plan.  A Benefits Realization plan helps ensure that the expected benefits are known, the potential issues and risks that may impact the plan are accounted for, and the policy is proactively managed to help ensure the expected benefits are achieved.Life insurance is purchased for a variety of reasons, and the purpose varies by product type. …
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    Insurance Forum

  • B/D for Sponsorship?

    24 Jan 2015 | 10:05 pm
    Can anyone recommend some B/D for sponsorship for the 66 and 7? I would like to be able to offer mutual fund investments and ETFs/stocks to my clients. I do not think the 65 will entirely allow me to do this.
  • NY TBA /transacting Business As License?

    24 Jan 2015 | 9:55 pm
    I have a P&C and L/H license as an individual. I wish to add Company to my license. Can anyone advise me on how I must register this new name/entity with NY DFS? I know I think I have to register as a TBA / transacting business as, but I do not know how do to this. The NY DFS site does not give very much information. Please help!
  • 6 Months Vs. 12 Months Auto Policy: which Do You Prefer Writing??

    24 Jan 2015 | 7:31 pm
    I know this only applies to agents in some states with some carriers ..... but when you have the choice between selling a 6 or 12 month auto policy to a customer, how do you handle it as far as your procedure? do you: A) offer both and let the customer decide? or B) choose one automatically for the customer, since it usually makes very little difference? from the agent's standpoint, it only makes a difference if the carrier pays commission on an earned basis. pros and cons to both a 6 mo. vs. 12 mo. if they pay on an earned basis. doesn't make any difference if the carrier pays on a
  • Whats Going On In Texas?

    24 Jan 2015 | 7:11 pm
    Came across this article online today. 58% of doctors in Texas are considering turning away Medicare patients? Is this article propaganda? I know the article mentions penalties for non-compliance, but what's the real story? Any thoughts? [url=]More doctors turning away Medicare patients[/url]
  • Requesting Income Info

    24 Jan 2015 | 5:59 pm
    I have a lady where we did the enrollment on the phone with the exchange. They are requesting income info. They told me she should mail the docs in which I don't trust. Is their a email or fax I can send it to so I have confirmation. (btw she doesn't have a email.)
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    The Insurance.

  • สิทธิประโยชน์บัตรเครดิตที่คุณอาจจะลืม

    22 Jan 2015 | 3:10 am
    ปัจจุบันความนิยมของ บัตรเครดิต มีให้เห็นกันอย่างมากมายโดยเฉพาะอย่างยิ่งบุคคลที่ทำงานตั้งแต่เงินเดือน 15,000 บาทขึ้นไปเพราะมันสามารถที่จะช่วยทำให้บรรเทาค่าใช้จ่ายต่างๆ ได้ค่อนข้างดีพอสมควร…
  • ทิพยประกันภัยรถยนต์ ฉบับย่อๆ

    14 Jan 2015 | 2:28 am
    ปัจจุบัน ทิพยประกันภัย เป็นประกันรถยนต์ที่กำลังได้รับความนิยมจากเป็นอย่างมาก เนื่องด้วยบริการต่างๆ ที่มากล้น รวมไปจนถึงโปรโมชั่นต่างๆ มากมายที่ให้เลือกได้ตามแต่ความต้องการของเรา อย่างไรก็ตาม…
  • นิสสัน เปิดตัวรถใหม่ ปี 2015 มาช้า แต่มาแน่นอน

    26 Dec 2014 | 2:21 am
    นิสสัน ประกาศขายรถครอสโอเวอร์รุ่นล่าสุดในประเทศไทย แม้จะเปิดตัวช้ากว่าคนอื่นเขา แต่ก็ยังสามารถเรียกร้องความสนใจในตลาดรถยนต์ได้อย่างดี เป็นรถยนต์รุ่นครอสโอเวอร์รุ่นล่าสุด ปลดรูปทรงกล่องรถถัง…
  • ถ้าหากต้องการจะยกเลิกกรมธรรม์ต้องทำอย่างไร ?

    17 Dec 2014 | 11:31 pm
    การใช้ประกันภัยรถยนต์ในสมัยนี้ต่างขึ้นอยู่กับความต้องการของลูกค้าแทบทั้งสิ้น พร้อมทั้งยังมีให้เลือกอย่างหลากหลายไม่ว่าจะเป็น รวมไปจนถึง ทำให้การขอยกเลิกกรมธรรม์จึงเป็นเรื่องธรรมดา…
  • ปัญหาที่พบบ่อยกับการต่อประกันรถยนต์

    4 Dec 2014 | 3:06 am
    ใน การทำประกันรถยนต์ ไม่ว่าจะเป็นการทำประกันประเภทไหนๆ ส่วนใหญ่แล้วกรมธรรม์จะมีอายุ 1 ปี หลังจากนั้นต้องทำ ซึ่งเราควรจะเริ่มศึกษาข้อมูลการต่อประกันก่อนที่ประกันที่ทำอยู่จะหมดอายุประมาณ 1-2 เดือน…
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    Kanetix Finance

  • Top 10 Cars In Canada

    21 Jan 2015 | 9:00 pm
    Top 10 cars in Canada and their estimated annual fuel consumption. Canada's most popular and best selling cars in 2013.
  • Bank of Canada Unexpectedly Cuts Interest Rate To 0.75 per cent

    20 Jan 2015 | 9:00 pm
    The Bank of Canada, in a surprise move, cut interest rates to 0.75%. See how it could affect your mortgage rate and the upcoming home buying season.
  • Top Travel Destinations of 2015

    12 Jan 2015 | 9:00 pm
    The best of travel lists are out. Planning a trip in 2015? Check out this list of must-see places first.
  • Drive Into Auto Show Season

    8 Jan 2015 | 9:00 pm
    2015 auto shows in Canada listed: Montréal International Auto Show, Canadian International AutoShow (Toronto Auto Show), Edmonton Motorshow, Salon de l'Auto de Québec, Calgary International Auto and Truck Show, and the Vancouver International Auto Show.
  • Make 2015 The Year You Pay Less For Your Car Insurance

    4 Jan 2015 | 9:00 pm
    Make this the year you spend less on car insurance. Learn how you can spend less and save more on your car insurance coverage.
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    The Claims SPOT

  • Breaking Those Competing Commitments To Change

    Marc Lanzkowsky
    23 Jan 2015 | 9:50 am
    In life change happens and people adapt. In business change happens and people react. Those who are resistant to change are usually easy to spot and equally as easy to manage and therefore rarely derail a change initiative. However, it is the person that generally supports change and outwardly appears to be working for the implementation of a new initiative that can sometimes harbor a "competing commitment" that can have a more deleterious impact on the success of a new initiative.
  • Book Review: The Global Directors and Officers Handbook by Granof & Nicholls

    Marc Lanzkowsky
    14 Nov 2014 | 11:58 am
    In today's ever expanding global marketpalce, the need for executives to be aware of potential liability exposure is greater than ever. To assist in understanding that exposure, we review the the Global Directors and Officer Handbook, published the ABA (get your copy here) and Edited by Perry Granof and Henry Nichols.
  • 15 Excuses For Not Changing And 5 Reasons To Change The Way We Make Change

    Marc Lanzkowsky
    1 Apr 2014 | 1:55 pm
    Change is hard for everyone and how and when to change has been debated and discussed in companies since the first company was formed. What is never debated are some of the excuses used for not changing. People are generally resistant to change and despite the need to move forward people generally prefer to live with what they have. Taking a strategic approach to the issues around change itself shuold help to alleviate some of the resistence. In this post we look at changing the way we change.
  • Part 3 on Leadership: Challenges and Assistance in Leading Change

    Marc Lanzkowsky
    25 Mar 2014 | 7:26 am
    In Leadership: The Change Process In Claims Requires A Different Approach, I put forth the position that changing a claims organization needs a new brand of leadership skill that does not usually exist in the traditional claims organization. In Part 2 on Leadership: Developing a Strategic Transformation Team, I addressed how to break from existing management process to achieve effective strategic results. In the final installment, I discuss how challenges around leading change make it beneficial to bring in strategic support to help achieve the desired success.
  • Part 2 on Leadership: Developing a Strategic Transformation Team

    Marc Lanzkowsky
    17 Mar 2014 | 7:40 am
    Breaking from the linear approach to management is the key to leading Strategic Transformation. A standard organization will have a head of claims and then a variety of department heads to manage each line of business. Depending on the company there may be additional senior managers to handle various operational aspects of the group, which may include support staff, call center, technology and data analytics. Under this method, projects get initiated and managed within the same linear organizational framework. The result of this approach is a development process built in a silo that limits…
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • Why Auto Insurance May Be The Most Important Financial Decision You Make

    14 Jan 2015 | 9:00 am
    San Diego Auto Insurance Facts According to the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA), there are five leading factors involved in San Diego auto accidents. Drunk Driving: Crashes caused by drivers under the influence of alcohol (DUI) accounted for 18 percent of the total economic loss due to motor vehicle crashes. DUI crashes also cost the nation $49 billion dollars, an average cost of $158 dollars for every person in the U.S. Including lost quality of life, these crashes were responsible for $199 billion dollars, or 23 percent of the…
  • Why You Need A Personal Umbrella Policy

    7 Jan 2015 | 9:00 am
    San Diego home, auto, motorcycle and other personal insurance policies are designed to protect your property and your personal liability if you are involved in an accident or some other situation where you may be held responsible. San Diego Personal Umbrella A personal umbrella is designed to provide added liability protection in the event your primary personal liability insurance policy limits are exhausted. In today’s litigious world, it is not that unthinkable to be sued and have a settlement for over $200,000 dollars. For example, here are the five most common homeowner’s claims. Dog…
  • Why Buy Auto Insurance From A Trusted Advisor?

    17 Dec 2014 | 9:12 am
    Online Auto Insurance Pitfalls We all have seen the commercials that state, “10 minutes is all it takes to buy San Diego auto insurance”. But let’s get real. Are we to believe that it takes less time to buy something as important as auto insurance, than it does to get your car cleaned at the car wash or fill your gas tank? Sorry, we don’t buy that at all, and neither should you. San Diego Auto Insurance Fine Print Before you buy San Diego auto insurance online you had better read the fine print, as there are a number of exclusions and conditions that may limit coverage. Online auto…
  • How To San Diego Buy Homeowners Insurance

    10 Dec 2014 | 9:09 am
    San Diego Home Owners Insurance One of the most important financial decisions you will make is insuring your San Diego home. This important decision can’t be done on the internet in 7 minutes, because your home can go up in flames in less than 10 minutes and you might be left with a large un-insured loss. Having the right San Diego home insurance gives you peace of mind. Buying San Diego Homeowners Insurance–The Right Way Use an independent agent. We will search the market for the best coverage value for you. Do you know that some insurers don’t like older homes, while others do? Do…
  • Five Uncommon Claims That Most San Diego Homeowners Face

    19 Nov 2014 | 9:55 am
    Homeowner’s insurance You buy homeowner’s insurance in San Diego or California to protect your most important asset.  Or, if you are a renter, you buy San Diego renter’s insurance to cover your personal property and legal liability. Whatever the case, there are many risks to which you are exposed. Some risks are obvious such as fire and theft, while others are not. We wanted to provide you with some of the not so common claims that can arise out of home ownership or renting. Homeowner’s and Renter’s Risks Dog Bite Claims – San Diego homeowner’s and renter’s insurance policies…
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    Property Casualty Insurance Blog

  • Reconstruction Costs Up Sharply across the United States and Canada

    Scott Amussen
    23 Jan 2015 | 6:38 am
    The latest reports of the 360Value® Overview of Property Reconstruction Cost Changes show reconstruction costs are higher in the United States and Canada compared with the same time last year. In the United States, 47 states and the District of Columbia had reconstruction cost increases of more than 4 percent, with 27 of those states seeing an increase of more than 5 percent compared with one year ago. That’s the largest number of states with an increase of more than 5 percent since April 2007, when 30 states saw increases of the same magnitude and residential construction experienced…
  • Workers Compensation Leaders Research Colloquium

    Thad Nosal
    16 Jan 2015 | 4:19 am
    I recently participated in a workers compensation (WC) leaders research colloquium at the National Institute for Occupational Safety and Health (NIOSH).  The meeting brought together a small group of external workers compensation thought leaders and NIOSH researchers to help the agency develop a strategic plan for the new Center for Workers’ Compensation Studies (CWCS). The Institute started CWCS in the spring of 2013. The Center’s mission is to use WC data and systems to improve workplace safety and health. NIOSH has performed and supported research in this area for a number of years…
  • PCS to Modify Catastrophe Code Format

    Ted Gregory
    16 Jan 2015 | 4:13 am
    Property Claim Services (PCS) currently designates catastrophes using a two-digit sequential code from 11 through 99. Based on feedback from our user community, we plan to implement a four-digit code on January 1, 2016, for events in the United States only. We’ve decided to make this change based on a significant response to our survey in which many users indicated that the two-digit code makes it difficult to identify the year in which a catastrophe event occurred. The code will consist of the two-digit year followed by the two-digit catastrophe number (from 11 to 99 each year). Here is an…
  • 7.5 million fire hydrants!

    Anthony Zampella
    15 Jan 2015 | 12:39 pm
    Need a fire hydrant? ISO has millions of them. We reached another important data milestone at the start of 2015, with 7.5 million hydrants plotted and mapped in our national database. You can read all about it in our recent news release. Why is this data important? Just as fire departments rely on hydrants for water to fight fires, insurance carriers rely on hydrant information to underwrite property insurance policies properly. ISO tracks hydrants and other water sources as part of our Public Protection Classification (PPC™) program, which provides an objective standard for fire and…
  • CMS Releases Updated WCMSA Reference Guide

    Mark Popolizio
    14 Jan 2015 | 1:32 pm
    The Centers for Medicare and Medicaid Services (CMS) has released an updated WCMSA Reference Guide (Version 2.3) dated January 5, 2015. A copy of WCMSA Reference Guide (Version 2.3) can be obtained here. This new release represents the agency’s eighth version of the guide to date since its initial release back in March 2013. Version 2.3 replaces Version 2.2 which was released in April 2014. The changes made through Version 2.3 are outlined in Section 1.1 which can be viewed here. As will be noted, most of the updates made by CMS pertain to various wording clarifications and other related…
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  • Week in Review January 19-23, 2015

    Kenneth Simon
    23 Jan 2015 | 8:37 pm
    Last week on… Monday Morning Headlines, provided by SNL Insurance, included: FSOC meeting to consider changes to SIFI designation process. MetLife taking opposition to its “premature” SIFI designation to court. The Federal Reserve is beefing up its insurance team. Lots of movement among insurance regulators at the NAIC,  as well as Pennsylvania and Texas [...]
  • The Institutes President/CEO talks about the underwriting profession of today…and tomorrow

    22 Jan 2015 | 8:54 pm
    Peter Miller, President and CEO of The Institutes joined during the Joint Industry Forum in New York to discuss the many changes affecting the underwriting discipline over the past few years, including the impact of technology, data and the opportunities they present to underwriting professionals. Top three factors affecting underwriters today all revolve around [...]
  • Telematics, data analytics and “internet of things” to influence role of underwriter into the future

    22 Jan 2015 | 8:49 pm
    The Institutes President and CEO Peter Miller sees underwriters using technology to gather and use information including telematics, data analytics and other data collection techniques.  Technology has also affected underwriters’ workflow, making it easier to collaborate with claims and other part of the organization. Mr. Miller also believes “the internet of things” will play a [...]
  • Opportunities abound in growth areas for underwriting professionals and millennials looking for exciting career

    22 Jan 2015 | 8:42 pm
    Peter Miller, President and CEO of The Institutes, is optimistic about opportunities for underwriters.  The Bureau of Labor Statistics (BLS) reports 33,000 openings for underwriters through 2020.  In addition, the insurance industry follows society, so where there is growth in areas like energy, transportation and healthcare, there is opportunity in underwriting risks in those areas. [...]
  • Certification provides underwriters with necessary knowledge and credibility

    22 Jan 2015 | 8:39 pm
    Certification is important to the insurance industry for two reasons, according to Peter Miller, President and CEO of The Institutes.  “One is knowledge; the other is credibility.” Certification is an objective measure that says you are “up-to-speed on an industry that is changing rapidly.” Mr. Miller also notes that a third party certification makes underwriters [...]
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    SelectNews Blog

  • Ask An Agent: Why Do I Need Life Insurance?

    22 Jan 2015 | 6:26 am
    SelectQuote agent Joel Clark tells us a little bit about himself and addresses the frequently asked question of why someone might need life insurance. Joel, how long have you been a SelectQuote agent? Over 13 years. What’s your favorite part of being a SelectQuote agent? Having the opportunity to shop rates from top companies, and saving people lots of money. I also like it when I can find a company to insure a client with a complicated health risk – especially when that client had trouble getting coverage in the past. Why do I need life insurance? If you have family members who…
  • Auto And Home Insurance: Just The Facts

    15 Jan 2015 | 9:25 am
    January is one of the most popular times to buy or renew auto and homeowners insurance policies. But understanding the various types of coverage can be confusing, especially for first-time buyers. To celebrate the New Year, SelectQuote Auto & Home has put together this buyer’s guide to auto and homeowners insurance. While the definitions that follow will help you get your facts straight, it’s a good idea to consult your insurance agent about coverage type and policy details before you buy. AUTO INSURANCE There are six basic types of auto insurance. Bodily Injury Liability. If…
  • 2015 And Your Retirement

    8 Jan 2015 | 8:02 am
    Here’s what the experts are saying about the 2015 economy – and four ways that it could directly impact your retirement. Long story short, 2015 looks like it could be a very good year from a fiscal perspective. According to the financial forecasters at Kiplinger, the U.S. economy appears to have recovered: Unemployment levels have dropped to just 6.1 percent, and inflation is in check. Wall Street is doing spectacularly well, and appears to be headed for more growth in the New Year. Spending on recreation and other consumer services is likely to increase as incomes rise, pushing…
  • New Year’s Resolutions That Really Pay Off

    1 Jan 2015 | 4:00 am
    If you’re tired of making the same New Year’s resolutions every January (and breaking them all by February), then this is the list for you. Not only are these five resolutions easy to keep, they can substantially improve your financial situation – not to mention your health! Spend less than you make. Think about it: You can’t save money if you spend more than you earn. Spending less than you make on a consistent basis is the key to financial fitness and stability. So long as you’re outspending your income, you can forget about increasing your savings, making…
  • Five Ways To Give Back To Your Community Over The Holidays

    25 Dec 2014 | 4:00 am
    While the holiday season is a great time to count our blessings, it’s an even better time to help those who are less fortunate. While making a financial contribution to your favorite charity is a wonderful holiday gesture, many of us forget that we can give back in a more hands-on way by volunteering locally. In addition to making a difference and teaching your kids that the holidays are about giving (and not just getting), community outreach can be a great family bonding activity. Here are five ideas for giving back to your community that can be fun for the whole family. Adopt a family.
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    Shift Insurance Blog

  • The 10 Best Items to Have in Your Car's Emergency Kit

    19 Jan 2015 | 3:13 pm
    Be honest -- when you sit behind the wheel of your car, you're not thinking about emergencies and worst-case scenarios, are you?  Instead, you're probably thinking about your rush hour commute, all the errands you need to run, and finding the easiest route to that new restaurant. But if you're not riding around with an emergency kit in your car, you're putting yourself at unnecessary risk! Whether you're the victim of a breakdown or Mother Nature, all kinds of emergencies can pop up on the road.  As long as you've got a kit with these 10 essentials in it, you'll be able to take good…
  • What's the Difference Between Admitted vs. Non-Admitted Insurers in California?

    7 Jan 2015 | 10:43 am
    If you're shopping for car insurance in California, you probably figure that all of the insurance companies here are roughly the same.  The only thing that sets them apart is their rates, right? Wrong! Yes, your rates can vary widely from insurer to insurer, but they're not the only thing that makes these companies different.  One of the biggest differences is admitted insurers vs. non-admitted insurers. Never heard of either term?  Don't worry, you're not alone! Most Californians probably can't tell you if their car insurance company is admitted or non-admitted.  In fact,…
  • Buying a Car? "Used" Doesn't Have to Equal "Abused"!

    22 Dec 2014 | 10:47 am
    Used cars tend to get a bad rap.  After all, we use the term "slimy used car salesman" to describe anyone whose motives aren't on the up and up!  If you're like most people, you want to take advantage of the good bargains you can get on a used car, but the last thing you want is to end up with a lemon that's got way more problems than you ever planned on dealing with.  Luckily, "used" doesn't have to equal "abused"!  It IS possible to find a used car that looks and performs well.  You just have to know what to look for.  Here's what we suggest: -  Focus on…
  • How Do You REALLY Drive Safely in the Rain?

    5 Dec 2014 | 1:39 pm
    Look on Google for some tips about driving safely in the rain, and you'll find the same ol' advice lurking in every corner of the web -- like slowing down and keeping a larger distance between you and the car in front of you.  Those tips are a good start, but they're certainly not ALL you need to do when Mother Nature makes the roads wet and slippery! Here in Southern California, it's common to get nearly three feet of rainfall every single year.  And, according to the California Highway Patrol, the number of car accidents goes up a whopping 203% when it starts to rain!  If you…
  • You Were Just in an Accident… Now What?!

    25 Nov 2014 | 12:07 pm
    No matter how careful you are out on the road, there's always a chance you could be in an accident.  But what do you do if it actually happens? 1.  Stop Whether you hit another car (either empty or occupied), a person, or someone's property, California law requires you to stop and exchange information with the other people involved.  Even if the damage doesn't look serious, you're still required to stop.  If you don't, you can be charged with a hit and run -- meaning that you can end up in jail by the time all is said and done! California law also requires you to call the…
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    The trading forex

  • Chinese Growth Misses Target

    24 Jan 2015 | 11:13 pm
    Chinese Growth Misses Target Let Expert Forex Traders teach you how to trade profitably. Register for online trading courses at FX Academy – Free Signup! By: Since deciding to flirt with capitalism, the Communist Chinese economy has enjoyed spectacular growth … Read more on Japan Cuts Forecast Stimulus Stays Want to learn more about trading the news? Learn from the pros at FX Academy for free. Sign up now! By: Japan's central bank cut its inflation forecast and kept its unprecedented monetary easing unchanged as tumbling oil…
  • LiteForex video tutorial: Opening and closing of orders (MT5)

    24 Jan 2015 | 10:13 am
    The process of opening/closing an order in the МТ-5 terminal isn’t much different from the one in the MT-4 terminal. This video tutorial provides detailed de… Video Rating: 0 / 5
  • Daily Forex News August 15th 2013

    23 Jan 2015 | 11:12 pm
    FCTOFX Daily Forex News: August 15th 2013 US Dollar Drops on Fed Bullard’s Comments and New Zealand Dollar Continues to be the Strongest Currency This Week T… Video Rating: 5 / 5 U.S. indices traded lower after the Federal Open Market Committee (FOMC) showed little sign of announcing an interest rate hike anytime soon. The S&P 500 fel… Video Rating: 0 / 5
  • Breaking: FxPro to Launch an MT5 Platform Offering from Metaquotes

    23 Jan 2015 | 10:10 am
    Breaking: FxPro to Launch an MT5 Platform Offering from Metaquotes An FxPro spokesperson has just shared with Forex Magnates reporters that the company is adding a new platform offering for its clients. The FCA regulated broker will be adding MT5 to its list of platform solutions. The company, which was one of the few … Read more on Forex Magnates 2015 Forex Industry Predictions: IPOs, Volatility and Platforms They'll still support MT4 and sell new server licenses to existing customers who need to scale their operations, but new brokers will have to use MT5. This is based on 2014…
  • Learn Forex: Basic Breakouts for Forex Trends

    22 Jan 2015 | 11:12 pm
    Learn Forex: Basic Breakouts for Forex Trends Been trading FX but wanting to learn more? Been trading other markets, but not sure where to start you forex analysis? Register and take this Trader Quiz where upon completion you will be provided with a curriculum of resources geared towards your … Read more on DailyFX GBPUSD Forex Signal December 16 2014 Forex Brokers Reviews · Binary Options Brokers · Bitcoin Forex Brokers · Automated Forex Trading · Forex Trading Signals · Forex Trading Courses · Forex News · Technical Analysis…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Chauffeur Insurance FAQ

    23 Jan 2015 | 9:19 am
    With long hours spent behind the wheel of expensive cars it’s hardly surprising that chauffeurs have a tough time finding sensibly priced insurance. The good news is that is possible to get comprehensive cover which won’t break the bank; you’ve just got to know where to look. What should I look for in a provider? Chauffeur insurance is a specialist product and demands a specialist provider who knows the marketplace inside out. So make sure you choose an established broker who both knows the marketplace inside-out and has the industry muscle to negotiate some great deals. What should I…
  • Travel Insurance: In it for the Long Haul

    19 Jan 2015 | 9:53 am
    A recent survey by a leading insurance provider has revealed the countries where travellers are most likely to make an insurance claim; but what’s worrying is that one in three holidaymakers don’t have travel insurance. The figures make for interesting reading and show just how easy it is to overlook holiday essentials when you’re busy planning a long haul break. Take India as an example: it’s one of the nation’s favourite destinations with more than 800,000 Britons visiting every year. The Foreign and Commonwealth Office clearly recommends that all visitors take out insurance; yet…
  • Tips for Driving Safely in the Driving Rain

    16 Jan 2015 | 10:03 am
    As a nation we are often accused of being obsessed with the weather; and with climatic conditions changing every five minutes it’s easy to see why. You can go for a spin on a crisp winter morning and it will be bucketing it down by the time you get to the end of the road. Predicting the weather is notoriously difficult but you can guarantee that there will be plenty of rain in the coming months. Wet weather makes driving much more hazardous and the following points are designed to make sure you arrive safely: Rain slows down traffic and often causes congestion so plan ahead and allow extra…
  • If you are booking a holiday don’t forget your travel insurance

    14 Jan 2015 | 8:59 am
    With long dark nights and sub zero temperatures it’s hardly surprising that January is the busiest month for booking summer holidays, and if you are planning a break it’s the right time to take out travel insurance. Holidaymakers often make the mistake of leaving travel insurance until the last minute assuming that they won’t need cover until they are abroad. However, travel insurance starts ‘working’ the minute you take out a policy so it makes sense to arrange cover as soon as you book your summer break. Figures from the Association of British Insurers (ABI) show that 34% of all…
  • Flood Re Agreement Guarantees Cover for Homes at Risk of Flooding

    9 Jan 2015 | 3:18 am
    Great news for homeowners living in flood risk areas: the government and the insurance industry have finally come to an agreement over the best way to provide affordable insurance for properties at risk of flooding. A tentative agreement named ‘Flood Re’ was first put on the table in June 2013 and after eighteen months of hard work it’s now ready for implementation. Last year’s winter storms, and the wettest January on record, wreaked havoc across the country causing widespread coastal and inland flooding. Thousands of homes were left ruined with swathes of the Somerset Levels, The…
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    The Esurance Blog

  • 7 Life Milestones That Call for a Review of Your Insurance

    Megan Pantak
    23 Jan 2015 | 11:48 am
    With everything going on during day-to-day life, it’s easy to forget when to review your insurance coverages. We're here to help with this handy insurance timeline to ensure you have optimal protection for whatever life throws your way. The post 7 Life Milestones That Call for a Review of Your Insurance appeared first on The Esurance Blog.
  • New Year’s Resolutions: 15 Ways to Make 2015 Better

    Chris Keilman
    21 Jan 2015 | 10:13 am
    If you’ve ever failed at keeping your new year’s resolutions, these steps are for you. Improve your year in 15 ways. The post New Year’s Resolutions: 15 Ways to Make 2015 Better appeared first on The Esurance Blog.
  • Tweet for Your Shot at a Customized, VIP Trip to SXSW!

    Jennifer Wood
    19 Jan 2015 | 10:00 am
    We’re giving away a once-in-a-lifetime, truly personalized South by Southwest experience with VIP perks and #esuranceaccess. The post Tweet for Your Shot at a Customized, VIP Trip to SXSW! appeared first on The Esurance Blog.
  • Top 9 Reasons to Love Your Insurance Company

    Heidi Wallis
    19 Jan 2015 | 6:00 am
    Here are the top 9 ways we at Esurance are making it possible to love your insurance company. The post Top 9 Reasons to Love Your Insurance Company appeared first on The Esurance Blog.
  • Are Home Solar Systems Worth the Price?

    Ellen Hall
    16 Jan 2015 | 9:00 am
    Residential solar systems are finally getting their day in the sun. But is putting panels on your roof a good investment? The post Are Home Solar Systems Worth the Price? appeared first on The Esurance Blog.
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    Health eDeals Blog

  • Coverage, claims, customer service: Real-life insurance consumers profiled in The IHC Group's Share Your Stories

    19 Jan 2015 | 12:42 pm
    One family secured short-term medical insurance for their daughters who moved out of state. A couple found major medical insurance that covered a huge portion of a costly monthly prescription medication, and gap insurance to ease financial hardship if a critical illness or injury came about. A family was relieved when its short-term medical policy covered a daughter’s bills arising from a serious knee injury. The Share Your Stories website showcases real-life experiences of customers of The IHC Group who found the health insurance coverage tailored to their budgets…
  • Your body, your bank account, your babies and more: 4 reasons to have health insurance

    30 Dec 2014 | 8:54 am
    Health insurance helps make for a hale and hearty life.  Here are 4 reasons that’ll persuade you to visit  for a free, no-obligation quote, or to contact a health insurance agent at 888-839-7679. 1.    Like a seat belt, health insurance is not just a good idea—it’s the law. Going without health insurance, hoping for the best, and paying off health-related bills at your leisure is ill-advised…and now grounds for penalization. As of Jan. 1, 2014, Americans who don’t have health insurance may face a fine.
  • 6 Reasons to Get Health Insurance Coverage During the Holidays

    19 Dec 2014 | 9:30 am
    There’s lots to think about going into the holidays. Presents, decorations, recipes, and more. One thing that should be on your mind is getting health insurance. Here’s some motivation: 1.    Winter sportsUnless you’re Shaun White, you’re probably going to faceplant a couple dozen times on your sweet snowboard.  Chicks may totally dig scars, but they’re not so big on dudes with missing teeth.  If you don’t have dental insurance, getting your teeth back in the right place could cost you.  Also, don’t try a triple axel…
  • November is Alzheimer’s Awareness Month

    25 Nov 2014 | 11:16 am
    According to the Alzheimer’s Association, there are more than 5 million Americans live with the disease.  In fact, Alzheimer’s disease is listed as the 6th leading cause of death on America. For the nearly 1,300 Americans who will be diagnosed today, the support of friends, family, and medical professionals is paramount. Alzheimer’s is called the most expensive condition in the nation and without the 15.5 million friends and family providing unpaid care, the cost could easily skyrocket.1 Alzheimer’s disease is a type of dementia which causes memory problems, as…
  • Think you know STM? Think Again.

    17 Nov 2014 | 12:06 pm
    There are just under two months left before Obamacare plans take effect, and your clients who are currently uncovered might need to bridge the gap. Did you know IHC’s Short Term Medical (STM) plans don’t have to be sold in month-long increments?i STM plans can be sold in any increment from 30 days to 180, and even up to 364 in some states.i If your clients need coverage for 36 days, they don’t have to buy two months’ coverage. They only have to pay for the precise number of days, saving them money. For more information about STM , contact your IHC Representative.
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    The Murray Group

  • Importance of Fleet Safety for Businesses

    Ryan Murray
    22 Jan 2015 | 12:54 pm
    Do you currently have a fleet safety program in place? Do you know if you should? There are several benefits to a fleet safety program, including reducing the costs of your NY business auto insurance. In this blog, we will discuss OSHA’s recommendations on who should have a program and why you should. Motor vehicles crashes are the leading cause of death and injury for all ages. Accidents on and off the job have long-lasting psychological and physical effects on the employees, their families, co-workers and employers. Crashes also impact your business’ bottom line, whether its…
  • How to Stay Safe In Your Home

    Ryan Murray
    14 Jan 2015 | 6:53 am
    NY home insurance will keep you safe from expensive lawsuits, but the tips we discuss below will keep your family, your guests and you safe from common household hazards. These hazards are household products that can pose a danger if you are not aware that they can be unsafe. According to AARP, older adults sustain injuries associated with consumer products at a rate of 1.5 times higher than other adults and are hospitalized almost five times as often. Falls account for almost three-fourths of all injuries. Look at the list of the most dangerous household products, and you will find things…
  • TMG Announces New Program Called TMG Cares

    Ryan Murray
    11 Dec 2014 | 6:29 am
    At The Murray Group, we genuinely care about our partners, our employees and the community that we are a part of. Without these three stakeholders, we could not exist today. We are excited to announce that The Murray Group has created a new program called TMG Cares, which supports our stakeholders. With TMG Cares, we as an agency donate our time and resources to particular non-profit organizations within our community as well as to our partners. We also give our team an allotment of hours per year to donate their time to non-profit organizations of their choice. The TMG team will donate…
  • NY Risk Management Tips – Snow Plowing

    Ryan Murray
    26 Nov 2014 | 5:56 am
    Today is the first day of potentially many snowy days in Albany, NY, so we want to share important NY risk management tips on snow plowing for NY contractors. These tips will reduce your chances of a loss, which means it will improve your bottomline. Many NY contractors plow snow during the winter for additional income or to keep their employees working. The following tips from The Main Street America Group can help reduce claims arising from snow plowing operations: Follow these NY risk mangaement tips to reduce snow plowing losses. Keep logs which keep track of… Temperature,…
  • Winter Preparation Advice for NY Homeowners

    Ryan Murray
    12 Nov 2014 | 7:08 am
    Local meteorologists are forecasting an artic chill that will affect NY homeowners and the Capital Region over the next few days. This is a daunting reminder that winter is coming, and The Murray Group wants to provide our partners with some reminders about winter preparation. NY homeowners should begin preparing for winter. The Insurance Information Institute has provided the following comprehensive list of tips for NY homeowners who want to prepare their home for the winter: Outside Your Home Clean out gutters. Remove leaves, sticks and other debris from gutters, so melting snow and ice can…
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  • Are Electric Motorcycles the Future of Riding in Singapore

    Paul Cypert
    15 Jan 2015 | 6:23 pm
    9UBCFJ5WDZF8Are Electric Motorcycles the Future of Riding in Singapore By Paul Cypert Almost every major manufacturer, and quite a few upstarts, are beginning to reveal their bikes of the future.  It makes sense. The cost of Petrol will only continue to rise over the years. In crowded, growing cities traffic is already bordering on miserable. And studies have shown that having 25% of road traffic switch to bikes can eliminate congestion altogether! So in the future we need to have more bikes and as many of them as possible running on alternative fuel. Harley has its new Project Livewire…
  • Motorway Breakdown? What NOT To Do

    Claire Vorster
    13 Jan 2015 | 7:21 pm
    9UBCFJ5WDZF8Motorway Breakdown? What NOT To Do By Claire Vorster A motorway breakdown can be any combination of dangerous, frustrating and expensive. If you are stuck on the edge of a road with 100 kph traffic roaring perilously close, it can be tempting to panic. Don’t.  Knowing what not to do in a breakdown could help save precious time and money…and  it could also save lives. Here are’s top tips to help you stay ahead. Don’t panic Analyse your situation quickly and assess everyone’s safety. Get your vehicle off the road if possible. “It’s vital that when…
  • Road Trip Cars for Every Need

    Claire Vorster
    8 Jan 2015 | 10:30 pm
    9UBCFJ5WDZF8Road Trip Cars for Every Need By Claire Vorster Want to escape the city and enjoy the freedom of the open road? Here are our picks for cars to consider that will deliver a smooth ride, fuel economy and looks.  If you think you might ever want to drive out on an adventure, pick up one of these cars, all designed to get you, your friends and/or family plus pet dog (and your stuff) where you want to go. Best SUV - 2014Jeep Grand Cherokee EcoDiesel  Few SUVs are as adaptable and competent as the Jeep Grand Cherokee. This impressive rig is just as happy in the city or in the…
  • 5 Worrying Car Noises and What They Could Mean for Your Car

    Claire Vorster
    6 Jan 2015 | 12:11 am
    9UBCFJ5WDZF85 Worrying Car Noises and What They Could Mean for Your Car By Claire Vorster Your car has a life. It gets thirsty, it needs cleaning and regular maintenance, and most of the time that’s enough. But what about the times it isn’t feeling so good?   When cars aren’t feeling great, like cats and children, they talk back.  But unlike children our cars can’t tell us what’s wrong.  Here’s a few tips to help you distinguish between ‘it’ll be OK’ and ‘do something, nowww!’ 1. High pitched squealing  If your car sounds like it’s just run over a cat when…
  • New Year, New Promotion on Car Insurance!

    Paul Cypert
    1 Jan 2015 | 8:24 pm
    9UBCFJ5WDZF8New Year, New Promotion on Car Insurance! By Paul Cypert We’re celebrating the Chinese New Year season with a special offer.  Get up to $108* FlashPay Card when you switch and save up to 25% on your car insurance. Between 1 January – 19 February 2015 if you buy a new comprehensive policy with us you will receive a Limited Edition FlashPay Card. If your car is registered 2010 – 2015 get a $108 FlashPay card If your car is registered 2009 or before get a $68 FlashPay card This offer is also good for anyone who’s currently signed up for third party cover with us…
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    Insurance Panda

  • Car Insurance Is Getting Cheaper And Cheaper
    15 Jan 2015 | 10:19 am
    Since the 1990s, car insurance has been growing increasingly affordable in the United States. This improvement can be seen by both low and middle income families in the country. A recent report published by the Insurance Research Council (IRC) concluded that all but six states (including Washington D.C.) saw an improvement in auto insurance affordability from 2001 through 2010. The… Continue reading →The post Car Insurance Is Getting Cheaper And Cheaper appeared first on Insurance Panda.
  • How To Get Cheap Auto Insurance Rates For Students
    10 Sep 2014 | 9:48 am
    Everyone knows that drivers who are very young can pay a lot higher premiums. More experienced drivers get into less accidents as a general rule. Younger people are more at risk for accidents and, because of that, pose a higher risk to their insurance companies. The good news is that if you are a young… Continue reading →The post How To Get Cheap Auto Insurance Rates For Students appeared first on Insurance Panda.
  • How To Get Auto Insurance Discounts Through Taking Driving Classes
    4 Sep 2014 | 9:08 am
    Is it true? Can you really get auto insurance discounts just by taking easy defensive driving classes? Yes, it really is. Auto insurance discounts are often given to drivers who take concrete actions to improve their safe driving behaviors and driving skills, since you will probably file fewer claims if you are a safe driver.… Continue reading →The post How To Get Auto Insurance Discounts Through Taking Driving Classes appeared first on Insurance Panda.
  • How To Get A Car Insurance Quote Without Using Your SSN Or Other Personal Info
    28 Aug 2014 | 12:28 pm
    The idea of shopping for car insurance online seems easy. However, when you start the process you may not think so. In fact, many drivers find that shopping for car insurance online is extremely frustrating. It is time consuming and at times difficult to compare prices. One of the biggest complaints about shopping around for… Continue reading →The post How To Get A Car Insurance Quote Without Using Your SSN Or Other Personal Info appeared first on Insurance Panda.
  • One Day Auto Insurance Explained
    25 Aug 2014 | 2:39 pm
    If you do not have a car, one of the challenges that you may face when you either rent a car or borrow one from a friend is whether or not you need an insurance policy. Most of the time the thought of insurance gets lost in the shuffle. However, this is not a great… Continue reading →The post One Day Auto Insurance Explained appeared first on Insurance Panda.
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    Insurance Quotes Online

  • How to Save on Auto Insurance

    Michael Guerin
    3 Jan 2015 | 1:16 pm
    Are you looking for ways for how to save on auto insurance? In this short video you’ll find a few tips that might be able to save you hundreds off your auto insurance premiums each year. For instance, a recent survey shows that most drivers aren’t aware many common auto policy discounts. Some examples of […]
  • When Do You Need Excess Liability Insurance?

    Michael Guerin
    20 Jul 2014 | 6:17 am
    Excess liability insurance provides additional coverage above the liability limits set by your other policies, such as home and auto insurance. This insurance is sometimes called an “umbrella” policy for this reason. The question is, how do you know when you need more coverage? And the short answer — especially when it comes to getting […]
  • How Much Life Insurance Do You Need?

    Michael Guerin
    17 Jul 2014 | 11:02 am
    There are really only a couple of reasons to get life insurance. If you have a family with young kids (like I do) you want to ensure that your children and surviving spouse can maintain their current lifestyle should something terrible happen to either spouse. In this case both my wife and I have life […]
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  • Five of the Most Beautiful Classic Cars and What Sets Them Apart

    Brooke Chaplan
    8 Jan 2015 | 5:51 pm
    While the newest cars to hit the market are loaded with plenty of high-tech goodies, nothing can compete of the nostalgia of a classic car. Not only are vintage cars worth a lot of money, but also offer a very raw driving experience. Here are five of the most beautiful classic cars and what sets them apart. 1962 Ferrari 250 GTE Inside a Ferrari 250 GT Lusso. Image Credit: Rex Gray via Flickr. Ferrari has a long-standing history of producing some of the most stunning sports cars in the world. Although the Ferrari 250 GTE was certainly a powerful automobile, it is still incredibly easy to…
  • Electric Cars: Myths vs. Realities, Going Into 2015

    Shaun Fyffe
    20 Dec 2014 | 9:20 pm
    It wasn’t too long ago that the idea of an electric car seemed like a real pie-in-the-sky idea – the kind of thing you’d see featured on an old-school sci-fi show. But as we go into 2015, not only are Prototype 2015 Kia Soul image credit: Lee Colleton electric cars a reality, but they’re becoming more common by the day. Unfortunately, this increase in popularity hasn’t led to an increase in understanding electric cars and their abilities. Many people still have basic misconceptions about the vehicles, and this article is intended to help dispel some of those myths. If you’re not…
  • The Impact of Texting While Driving on Your Car Insurance (And 5 Apps to Help You Stop)

    Shaun Fyffe
    16 Nov 2014 | 3:56 pm
    Texting while driving is dangerous. You already know this, whether through common sense or because you’ve been repeatedly warned by the advertisements and public service announcements that are all over the place these days. Here’s the thing, though: texting while driving (TWD) is also really convenient, especially since it seems like you’re always on the go, and there’s always someone else who needs something from you right this instant. That’s why you keep doing it, despite the risks. There’s another risk you may not have considered, however. TWD can also wreak havoc on your car…
  • Hyundai and Kia Get Record Fines Over False Fuel-Economy Claims

    Jordan Perch
    14 Nov 2014 | 5:32 pm
    In 2012, the Environmental Protection Agency (EPA) started investigating Kia’s and Hyundai’s widely publicized claims about the superior fuel economy of their vehicles compared to the competitors, after receiving numerous complaints from a consumer advocacy group and customers about discrepancies between the advertised fuel economy and real-world performances. The agency found that the difference in mileage ratings for some of Kia’s models was as much as 6 miles per gallon, whereas discrepancies in Hyundai’s models fuel economy were between 1 and 2 miles per gallon.
  • Beijing Stepping Up Efforts for a Faster Adoption of Electric Vehicles

    Jordan Perch
    1 Nov 2014 | 10:34 am
    It’s not a secret that China has many environmental problems, and air pollution is arguably the biggest of them. As part of China’s efforts to improve air quality, authorities in the world’s most populous country are trying to take gasoline-powered China is increasing electric vehicle production. Photo by SmokingPermitted via Flickr/CreativeCommons. cars off the road – as they are one of the leading contributors to air pollution – and replace them with low emission vehicles, primarily electric and plug-in hybrid cars. But, like in the U.S., the lack of charging…
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  • Diamonds – taking the long view

    Sara Jaspan
    21 Jan 2015 | 6:50 am
    As highlighted in our December blog post, the festive season is by far the most popular time to get engaged. With all those sparkly diamond rings slipping onto fingers, and in the run up to Valentine’s, we’ve once again been seduced by the stone’s timeless allure. But the tradition of a diamond engagement ring is a relative recent one, which can be traced back to a De Beers marketing campaign in the 1940s. So, we’ve decided to take a step back and lift the stone from its pre-nuptial associations. Over the next few months, we’ll be exploring the wider story behind twelve of the…
  • So you want to take in a lodger.

    James Farley
    19 Jan 2015 | 8:19 am
    So you want to take in a lodger? There are many things to consider before you take in a lodger but near the top of the pile should be making sure your Buildings and Contents Insurance remains valid.  Many insurance policies will not cover your home if you rent it to tenants or take in paying guests. This condition may still apply even if you remain living on the premises. Making sure you have adequate insurance it is of paramount importance to protect what is likely to be your most valuable asset.  At Assetsure we are able to offer both Buildings & Contents Insurance for homes where…
  • It’s the most wonderful time of the year, for…

    24 Dec 2014 | 1:46 am
    Hands up – who can guess which is the most popular day of the year to go ‘down-on-one-knee’? If you plumped for St Valentine’s, then perhaps think again. Contrary to tradition, it has recently been revealed that Christmas Eve is now peak-proposal time, with New Year’s Eve following not far behind. When best? In a national survey of 7,000 men and women conducted by, 32% of men and women voted 24 December to be the best day to get engaged. Similarly, Argos has revealed it typically sells almost 200% more diamond rings in the run-up to Christmas compared to…
  • Turquoise: how to beat those winter blues

    Sara Jaspan
    15 Dec 2014 | 7:51 am
    Gemstone of the peoples Turquoise is one of the world’s most ancient and internationally celebrated gems, often referred to as the ‘gemstone of the peoples’. This is in no small part thanks to the stone’s striking sky-blue colour, which holds an almost universal appeal among men and women alike. Indeed, turquoise was recently named Pantone’s Colour of the Year, and is considered both warming, cooling, calming and invigorating in equal measures. A long history of adoration Archaeological discoveries show that the Ancient Egyptians first began mining the stone in the First Dynasty,…
  • Seek mistletoe; avoid a Christmas ‘hug’

    Sara Jaspan
    25 Nov 2014 | 7:14 am
    Christmas is always an expensive time of year. It’s when many of us like to indulge our loved ones with special gifts, and take great pleasure in the social traditions and festivities connected to the season. So it’s also when you’re more likely to feel the squeeze. Just make sure it’s not in the arms of a pseudo friendly ‘hugger mugger’. A hugger… what? The nickname ‘hugger mugger’ was first coined by Scotland Yard to refer to the growing number of criminals targeting people on nights out (particularly the worse for wear). They pretend to befriend their victims, often with…
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    Enhanced Insurance

  • Does Car Insurance Cover the Car or the Driver?

    Jenna Christianson
    19 Jan 2015 | 9:56 am
    Does car insurance cover the car or the driver? This is a confusing question, and you’re not alone if you can’t come up with the answer right away. It does not have a simple answer. In general, car insurance is designed to cover the car, but it also depends upon the type of coverage to which you are referring. There are different options for car insurance, and you don’t necessarily need to have them all. It just depends upon your priorities, state requirements, and what you want to be protected in the event of an accident. And, in certain situations your private passenger auto policy…
  • A Lyft out of an Uber Mess

    Jim Holm
    22 Dec 2014 | 8:20 am
    The Transportation Network Companies (TNCs) have been dragged — kicking and screaming — into a closer approximation of an ethical business position. First they offered no coverage. Then they purchased excess auto liability policies. Then they added Uninsured Motorist and Underinsured Motorist coverage.  Our laws have long held that culpability in auto accidents should be assessed against those accountable. Why the TNCs have seemingly tried to dodge their responsibility is a mystery, as their financial responsibility is inevitable. The regulators have danced around the issue while…
  • Distracted Devices Huge Problem That Needs Industry Attention

    Jim Holm
    2 Dec 2014 | 4:34 pm
    In the interest of serving customers and maximizing profits, insurance companies often support public safety campaigns. I can remember two things vividly from when I was six years old: 1.) The Giants won the 1954 World Series, featuring Willie Mays’ famous back to the infield catch and 2.) I became a Hartford Junior Fire Marshal. To earn that hallowed plastic, red helmet I had to complete a home fire safety survey, with my parents’ assistance. Distracted driving is a national crisis. This June the National Highway Traffic Safety Administration issued a report which stated that distracted…
  • How to Haggle for a Used Car

    Jenna Christianson
    11 Nov 2014 | 7:35 am
    We’ve all been there. You have finally found the car that you’d like to purchase. Unfortunately, the process of buying a car is not the same as any other item. When you enter a retail store, you’re not expected to negotiate the price of shoes, groceries, or home cleaning products. You’re expected to haggle, or negotiate the price of a car with the salesman. Many people shy away from purchasing a car simply because they are afraid or unaware of how to haggle. They don’t want to make a mistake in the negotiation process and end up having to spend more than they wanted to. So,…
  • Buyer’s Remorse Law

    Jenna Christianson
    29 Oct 2014 | 6:41 am
      You’re a financially responsible individual. You know you’re ready to purchase a new vehicle and have done your research. You’ve looked on the websites of nearby dealerships and have searched for the best deals. Once you’ve selected your car of choice, you make a trip out to the dealer to take a test drive or two. You and your significant other have had long and serious discussions about whether this car is right for your lifestyle and if you can afford it. The decision has been made; the next day, you go back to the dealership to make the deal. Yet, something doesn’t feel…
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  • Insurance Facts You Would Hesitate To Believe!

    Eric C.
    8 Jan 2015 | 10:08 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - .Insurance is a necessity of life, especially car insurance quotes, in order to get compensation of the loss a person suffers, but do you know it has become a trend among celebrities? Yes, you...Insurance Facts You Would Hesitate To Believe! Eric C.
  • Bizarre and Unrealistic Excuses Given to Insurance Companies!

    Eric C.
    5 Jan 2015 | 9:40 am
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - .It is a common perception that women and policemen have similar habits to the extent of using their authorities on others. While, public perception about insurance companies would be rather a tedious or dreary...Bizarre and Unrealistic Excuses Given to Insurance Companies! Eric C.
  • Health and Dental Insurance | Insurance Editor

    Eric C.
    23 Dec 2014 | 2:12 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - .Health and Dental Insurance | Dental Coverage in the Marketplace   In the Health Protection Marketplace, you can get dental coverage 2 courses: as a feature of a health plan, or independent from anyone...Health and Dental Insurance | Insurance Editor Eric C.
  • 5 Tips for Modest Fun in the Snow

    Eric C.
    5 Dec 2014 | 12:41 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - .5 Tips for Modest Fun in the Snow On the off chance that you’re gotten inside by the snowstorm hitting the Upper Midwest, or predicting long frigid days this winter, you’ll oblige some financing...5 Tips for Modest Fun in the Snow Eric C.
  • Inventive Approaches to Give Cash for the Holidays

    Eric C.
    5 Dec 2014 | 12:27 pm
    INSURANCE EDITOR | DAILY INSURANCE TIPS INSURANCE EDITOR | DAILY INSURANCE TIPS - .Inventive Approaches to Give Cash for the Holidays What’s the best blessing for any event? It would need to meet these prerequisites:   Nobody ever returns or regifts it.   It never lapses, gets...Inventive Approaches to Give Cash for the Holidays Eric C.
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    Law360: Insurance

  • Ala. Federal Judge Strikes Down Same-Sex Marriage Ban

    23 Jan 2015 | 2:52 pm
    An Alabama federal judge on Friday struck down the state’s bans on same-sex marriage a week after the U.S. Supreme Court agreed to decide whether such bans were unconstitutional, making Alabama the 37th state to allow same-sex marriage.
  • Visteon's Bid For $8M Pollution Coverage Axed By 7th Circ.

    23 Jan 2015 | 1:16 pm
    The Seventh Circuit refused on Friday to order National Union Fire Insurance Co. of Pittsburgh to cover auto parts supplier Visteon Corp. for $8 million in cleanup and litigation costs over pollution from an Indiana plant, saying a key carveout from the pollution exclusion does not apply.
  • Insurer Off Hook For Suits Claiming Supplement Is Like Meth

    23 Jan 2015 | 12:53 pm
    General Star Indemnity Co. doesn't have to defend or indemnify supplement maker Driven Sports Inc. in several suits alleging one of DS' products contains an illegal methamphetamine-like substance, a New York federal judge ruled Friday, saying all the claims in the underlying actions fall squarely within a policy exclusion.
  • 2nd Pa. Atty Disbarred Over Role In Annuities Scheme

    23 Jan 2015 | 12:20 pm
    The Pennsylvania Supreme Court on Friday disbarred a second attorney involved in a scheme to aggressively market living trusts to senior citizens using nonattorneys, who allegedly sold the legal services based on exaggerations and misrepresentations.
  • Shutts & Bowen Adds Construction, Insurance Pro In Miami

    23 Jan 2015 | 11:39 am
    Shutts & Bowen LLP announced Friday that it has added Michael Jay Rune II as a partner in its Miami office, where he will handle construction and insurance work.
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  • What is permanent partial disability?

    Simply Work Comp
    21 Jan 2015 | 7:05 am
    When a workplace injury occurs, a speedy and complete recovery is certainly the outcome of choice for everyone involved. But what happens when the injury has left an employee with a permanent disability such as a “bad” back or the loss of a limb? Typically workers’ compensation benefits cover wage replacement and medical expenses, but in the case of permanent partial disabilities — disabilities that are permanent, but don’t necessarily prevent the injured employee from working again — additional benefits can be available that aren’t always tied to the workers’ rate…
  • The four most effective tactics to avoid workers’ compensation litigation

    Simply Work Comp
    13 Jan 2015 | 4:30 am
    On-the-job injuries can cost your company time, productivity, money and even employee morale. These costs are compounded when you become engaged in a legal battle with your injured employee. Here are four surefire ways you can prevent most workers’ compensation claims from ever getting to that point. Stay in contact with the employee, and reassure the employee that he or she will have a job to return to. Many times injured employees seek out attorneys because they are concerned about their livelihoods. Think hard before firing an injured employee. Terminating an injured employee can put…
  • Free return-to-work resource provides ideas for light-duty jobs

    Simply Work Comp
    8 Jan 2015 | 4:30 am
    Bringing injured employees back to work as soon as they are medically able is one important way to keep your workers’ compensation costs under control. Even if a worker can’t return to his or her regular job due to medical restrictions, you can bring the employee back to work in a light-duty or transitional role. Because work injuries are unexpected and (hopefully) rare, you might have trouble coming up with light-duty jobs for your employee to perform. That’s why SFM created the Transitional Work Warehouse, a free listing of ideas — broken down by industry — of…
  • Infographic: OSHA’s new injury reporting rule

    Simply Work Comp
    5 Jan 2015 | 7:42 am
    A new injury reporting rule from the Occupational Safety and Health Administration took effect January 1, 2015. This chart from BLR explains the changes.
  • Test your winter safety know-how

    Simply Work Comp
    29 Dec 2014 | 10:00 am
    Winter slip-and-fall safety quiz Time limit: 0 Quiz-summary 0 of 5 questions completed Questions: 1 2 3 4 5 Information Do you know how to defend yourself against falls in slippery conditions? Test your knowledge and learn how to protect your future self from painful injuries and embarrassment. You have already completed the quiz before. Hence you can not start it again. Quiz is loading... You must sign in or sign up to start the quiz. You have to finish following quiz, to start this quiz: Results 0 of 5 questions answered correctly Your time: Time has elapsed You have reached 0 of 0 points,…
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