Noah Kahan
Cosmic Funnies
No title available
TVSTRANGERTHINGS
Janaina Medeiros
Aqua Utopia｜海の底で記憶を紡ぐ
oozey mess
tumblr dot com
ellievsbear
Product Placement
macklin celebrini has autism
Origami Around
DEAR READER
Jules of Nature
Show & Tell
NASA
ojovivo
Cosimo Galluzzi
Discoholic 🪩
🩵 avery cochrane 🩵
seen from Australia
seen from Brazil
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from United States
seen from Brazil
seen from Ecuador
seen from United States
seen from Belarus
seen from Israel
seen from Oman
@louiscampisano
In some instances insurance coverages overlap, such as AAA and roadside coverage on your car insurance policy. Having an informed overview of what you're covered for can help you save on premium payments.
According to the author of this article, if you already have roadside assistance from AAA, OnStar, or some other service, there might be no need to have roadside assistance bundled with your car insurance.
Perform an assessment, either by yourself or through a professional ,of your home's structure and strength. Older homes often have structural weaknesses, but timely repairs can help prevent major damage if an earthquake occurs. For more earthquake preparedness tips, read this post on the Louis Campisano blog.
If legal clashes and angry competitors are a sign of success in Silicon Valley, then Zenefits has a bright future ahead.
Traditional insurance brokers argue that by giving away free software, Zenefits is violating state rebate laws that prohibit brokers from giving away free perks to entice people to purchase insurance.
Going on a vacation should be all good and fun, but sometimes mishaps happen. During the course of the trip, you can get sick, injured, or your luggage damaged. Thus, it is best to cover your bases and get insured for travel. Image Source: foxnews.com Travel insurance, in simple terms, covers…
In case of a trip cancellation, interruption, or delay, travel insurance will cover associated costs, such as hotel booking cancellation fees. Learn more on the Louis Campisano blog.
Shopping for insurance online or in person is tricky and I don't want to make this sound like a cake walk, it is not. You need to asks lots of open ended questions when speaking directly with providers and aggregating information pulled from any/all ...
Shopping for online insurance might not be fun, but it's a good way to get great deals on coverage.
When purchasing an ATV insurance policy package, make sure it includes bodily injury liability, collision insurance, comprehensive coverage, and medical payments coverage. Read more on the Louis Campisano blog.
Off-roading is an exciting sport, but it can also be very risky. Learn how an insurance policy can help protect you from the financial repercussions of an off-road vehicle accident on the Louis Campisano blog.
A New York-based consumer finance research firm has determined that Patersonians pay among the highest premiums for home insurance in New Jersey.
A research firm has found that residents of Paterson pay among the highest home insurance premiums in New Jersey.
When purchasing an ATV insurance policy package, riders should make sure that bodily injury liability, ATV collision insurance, ATV comprehensive coverage, and medical payments coverage. Learn more on the Louis Campisano blog.
REPOST: Warning of car insurance cost rise
British car insurance premiums fell by 1 per cent in the first quarter of this year, the AA said in a quarterly statement.
The AA says that insurance premiums will not rise very quickly | Image Source: bbc.com
The cost of UK car insurance will rise over the rest of the year, according to the AA, despite a fall in the first quarter of 2015.
Its index of the cheapest deals on the market showed that the cost of annual comprehensive car insurance fell by 1% compared with the previous quarter.
That took the cheapest deals down by £5.58 to £530.47.
The AA said said that drivers aged over 60 saw premiums rise over the same period.
Janet Connor, managing director of AA Insurance, said that other age groups would start seeing insurance costs rise steadily too.
"We are starting to see insurers quoting higher prices. I think that is the beginning of a trend, but the market remains very competitive," she said.
"The rate of increase is not going to be turbo-charged."
The cost of car insurance has fallen by nearly 6% compared with the same quarter a year earlier, the AA said.
Bigger falls were recorded in the cheapest deals for home insurance, according to the insurer.
The average quote was down 9.6%, or nearly £17, among the cheapest deals in the last year for home and contents insurance.
A long period of benign weather had helped keep costs down, Ms Connor said.
"Home premiums are most likely to be affected by extremes of weather and the recent winter has on the whole been notable for its lack of heavy rain, snow, winds and extreme temperatures," she said.
For more articles on insurance, like this Louis Campisano Facebook page.
When you rent a car, you will be asked if you want car rental insurance. You might already have it — but it may have gaps. Here's how to figure it out.
Based on her own experience after being involved in a car accident while driving a rental vehicle, the author of this article discusses some possible alternatives to rental car insurance.
While coverage can vary among providers, many pet insurance policies cover accidents, emergency visits, specialist care, and laboratory tests. Learn more about pet insurance on the Louis Campisano blog.
It’s a topic a lot of people don’t like to talk about: How are you planning to pay for long-term nursing care for an elderly parent, or even yourself?
Surveys show that seven out of 10 people need long-term nursing care for an elderly parent or themselves, and the costs can run between $5,000 to $10,000.
Image Source: cbc.ca Not everyone likes to stay on the safe side. While others may be content with hobbies like stamp collecting, cooking, and arts and crafts, some people favor life on the edge and live for the thrills. Unfortunately, these adventurous types also encounter some limitations on…
Adventurous people who love extreme sports may find that some insurance companies deny coverage to those with unusual and risky hobbies. Thankfully, there are some providers who do. Learn more on the Louis Campisano blog.
Attorney and title expert Hugh Fitzpatrick tackles insurance and liability questions related to our record-breaking winter.
If you hire someone without insurance to work on your home, you run the risk of being held responsible if said worker is injured.
The National Association of Insurance Commissioners says that New Jersey has the costliest auto insurance rates in the nation. New Jersey drivers once again shelled out the most in the nation for a...
New data shows that the state of New Jersey has the costliest auto insurance in the country. Read more on the Louis Campisano blog.
REPOST: How to protect yourself against uninsured drivers 'Naked drivers' are all over America's roads
Many drivers fear, and with good reason, a traffic wreck with an uninsured or underinsured driver. Know your best defense against another driver’s inadequate insurance by reading the following article.
Percent of uninsured drivers in each state, estimated by the Insurance Research Council. | Image Source: consumerreports.org
Although you might never consider driving without automobile liability insurance for bodily injury and property damage, many people do. An estimated 30 million U.S. vehicle owners “go naked”—industry lingo for not having insurance—according to a study by the Insurance Research Council (IRC), an organization financed by insurance companies.
Nationwide, the number of uninsured drivers is about 13 percent. But in some states, including Oklahoma, Florida, and Mississippi, 23 percent to 26 percent of all drivers are uninsured. In Massachusetts, Maine, and New York, the number of uninsured drivers drops to 4 percent to 5 percent, according to the IRC.
Those without insurance usually don’t have it because they can’t afford the cost. More than 30 percent of those drivers in California without auto insurance in 2005, for example, lived in the lowest-income ZIP codes in California. That compares with just 6 percent of drivers without insurance in the highest-income ZIP codes, according to the Consumer Federation of America.
“Low-income consumers often have a choice of buying insurance or food, and a rational person will buy food first,” says Brian Sullivan, editor of Auto Insurance Report, an industry newsletter. “Those who do buy insurance often buy the state minimum limits, which is rarely enough for a serious accident.”
On average, medical treatment for a non-incapacitating injury from a car crash costs $23,400—higher than the $10,000 to $20,000 minimum bodily injury insurance required by 14 states, including California, Florida, and New Jersey. No state bodily injury minimum covers the average cost of more severe incapacitating injuries, which comes in at about $72,700.
How to protect yourself
Buy uninsured motorist/underinsured motorist coverage. UM/UIM, as it’s known in insurance circles, is your best defense against another driver’s inadequate insurance. It stands in the place of the other person's missing or insufficient liability coverage, if he’s at fault. That’s important because your own liability insurance might not pay for injuries to you and your passengers if you’re not at fault.
Also, without UM/UIM, you’ll have to either pay for your losses or sue the other driver for damages in court, a headache that may reap little reward if the defendant has few assets.
One or both kinds of coverage are mandatory in 20 states, including Illinois, New Jersey, and New York, but it is a wise buy, even if it’s not required. We recommend that you purchase UM/UIM with the same limits as your own liability coverage. You should buy $100,000 bodily injury per individual, $300,000 bodily injury per accident, and $100,000 property damage.
Your costs won’t double if you do this. That’s because insured-driver, UM/UIM coverage costs less. U.S. drivers spent an average of $792 for auto insurance but only $69 for UM/UIM in 2010 (the most recent year of available data), according to the Insurance Information Institute.
If after an accident you or your passengers need medical-care coverage, it would be provided through either the medical-payments or personal-injury-protection portions of your auto insurance policy. That would also cover some nonmedical costs, such as lost wages. As for car damage, your own optional collision insurance would cover that, but you must pay a deductible. In some states, such as Virginia, UM/UIM may cover the deductible.
Document the accident and damage. If you are hit by another driver, create a record of the accident and document who was at fault. Do that by calling the police to create an official accident report. Get the other driver’s license, registration, plate number, and vehicle make and model information. Take pictures of the damage, and get the name and phone numbers of witnesses, and report the accident to your insurer.
Contact your insurance company. An uninsured driver might ask you not to report the accident to your insurer and promise to make good on your losses. Give him your sympathy but not your trust. If you don’t report and your new pal comes back later with newly discovered injuries, your insurer might not pay because its ability to investigate the claimed damage has been lost.
To learn more about Louis Campisano and the many insurance options he can make available to you through Farmers Insurance Group, visit his website for more detailed information and insight on how best to weather those unforeseen storms yet to hit the foreseeable forecast.
For more articles on auto insurance, subscribe to this Louis Campisano blog.