Archive for February, 2011
Secure Your Home While You Travel
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With all the excitement of a vacation or trip, it’s easy to forget what you leave behind until it’s too late. There’s nothing worse than remembering to lock the garage when you’re on a beach 1,000 miles away. Plan to protect your property and pick up the correct travel insurance so you have complete peace of mind on your travels.
Make it look like you’re still at home – get a friend to collect mail, purchase timers for inside and outside lights, and arrange for someone to mow the lawn or shovel snow in winter.
Turn off the ringer on your telephone or unplug the phone if you don’t have an answering machine. Check with yo
Auto Insurers Should Not Pay Claims Caused By Cell Phone Use
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How do you change behavior and poor decision making amongst people? Sometimes you have to motivate someone in order to change their habits. That is one of the reasons that the United States has one of the lowest personal savings rates in the world; there is no incentive to save, but there are several incentives to go further into debt.
For example, if you take out a home mortgage, the government allows you to deduct the interest you pay the bank from your income taxes. But, if you pay for that same house with cash that you have saved up over the course of decades, you receive nothing for your hard work and dedication to saving.
Which action do we as a society want to promote?
Car Insurance Holders Must Go For Regular Safety Checks
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The drivers have been urged to carry out regular safety checkups of their vehicles to avoid any collision and thereafter any kind of insurance claim. It is a legal requirement that every motorist must take good care of the vehicle and go for regular checks. According to a bank research, more than 20% of the motorists do not go for regular safety checks for their car every month. One among three motorists thinks that there is no need of any kind of regular safety check every month.
According to the law, the tyre tread depth must be at least 1.6mm so that the vehicle runs smoothly on road.
Items to Note in Personal Injury Situations
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While you may prefer to settle things amicably when accidents happen and are just as happy to avoid the courtrooms, it is still important to know what your rights are, particularly in the area of personal injury claims. When you are injured there can be a ripple effect throughout many aspects of your life, and so it’s vital to know what your rights are. While you may want to forget about the incident and put it behind you, there are many reasons why that simply can not be done.
The consequences of any injuries may vary from simple to drastic. If you’ve had some bruises but you don’t think that the pain will affect your daily life much, then you can basically just learn to forgive and forget or settle things fast between you and the other party. But y
FOS clarifies marine insurance issues
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The Financial Ombudsman Services (FOS) has issued a technical note covering some of the issues that arise in relation to complaints involving marine insurance policies.
The Service says it deals with around 100 complaints involving small craft each year and that in most cases the insurer has refused (or restricted) a claim on the basis that:
The vessel was not seaworthy; the consumer had not taken reasonable care to avoid loss or damage; non-disclosure; the claim was fraudulent; the security requirements in the policy were not complied with.
The Ombudsman’s approach in considering each of the above categories is now available on the FOS website