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Avoid These 6 Common Life Insurance Mistakes

Life insurance is designed to minimize the financial pain left behind by the passing for your loved ones, during a time when the last thing on your mind is money. Life insurance policies are difficult to understand, so it’s essential you steer clear of common problems so you can secure a policy that is catered to you. When shopping for life insurance, keep these tips in mind to avoid making costly mistakes.

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Pros and Cons of Making a Homeowner’s Insurance Claim

homeowners claim

Figuring out whether to file a homeowner’s insurance claim can be a challenge. After all, you pay for coverage to help you after an incident, so putting it to use seems wise. However, there are risks for filing, and some of them can cost you big. With that in mind, here are some of the pros and cons of making a homeowner’s insurance claim.

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Handling Claims: What You Need to Know About Your Bottom Line

key-949094_640Car accident claims can be complicated and your insurance is certainly going to want to be sure of who is at fault in an accident.  Yes, we pay premiums to ensure that accidents will be covered, but what insurance agencies don’t mention is that they will pass off the expenses to you or another party if they believe the accident can be listed as not covered.

This, in turn, can affect your bottom line, which is directly connected to your wallet and livelihood.  That is why it is important to contact an experienced professional to handle this situations.  There are a wide variety of car accident lawyers that know how to protect your car accident claim and you should arrange a consultation soon after your accident to ensure a smoother process.

Is there anything else I can do to protect myself?

Indeed, there are plenty of steps that can help to keep you protected.  As mentioned, the first is to contact an attorney to handle your claim, as they will know all of the regulations and can handle the insurance company with far more success.  In addition, you can:

  • Arrange an emergency savings
  • Take plenty of pictures of the accident scene (police will do so as well in many cases)
  • Get the information of all witnesses
  • Immediately contact your insurance company

As you can see, these are just a few things that will help to expedite your claim and make the process easier for you in the long run.  Things like taking pictures may also strengthen your case if it goes to court, as your attorney will have plenty of visual evidence with which to argue your case.

Can I be compensated for lost time at work?

Yes, lost time at work is certainly something that your attorney will factor in during your case.  It is their job to ensure you are fairly compensated for lost time, damages, vehicle replacement, rental fees, medical bills, and often hardship payments as well.  Be sure to discuss all of this with your attorney in order to be sure that you are not leaving anything out.

Are there any resources I can turn to for help?

Many churches and county agencies are available nationwide to help families in times of need.  Your attorney may have a list of local agencies to whom you can turn for assistance while you are in recovery.  Assistance with food, rent, electric payments, and even counseling services may be available in your area if needed.

Remember to include this information for your case if you need to seek help.  This is information that will help your attorney to build a solid case for you, as the need for assistance certainly shows hardship.  If you are involved in an accident that results in lost time at work, remember to also speak to your HR Department and fill out any necessary paperwork for Temporary Disability, as that will help to ensure you have some income during your recovery as well.

By taking the right steps and hiring an experienced attorney, you can be sure to protect your bottom line and reduce the stress that these cases often bring about.  Do not hesitate to ask questions and be sure to give your attorney all of the relevant information they need to provide a successful outcome for your case and get you back on your feet.



Whether you choose four wheels or two as your primary mode of transport, you potentially face many risks and pitfalls. Stalwart bicycle and motorcycle enthusiasts who prefer handlebars to a steering wheel, need to know that insurance is an absolute must.

Before considering motorcycle, car, and/or bicycle insurance it’s important to do some research, and with a great variety of insurance comparison websites online, the job is much easier.


Cycling enthusiasts or those who ride a bike for recreation are at risk every time they mount up. Not only are they vulnerable to being knocked off their bike by motorists, but cyclists can also cause damage to other vehicles and pedestrians. Bicycles are also a favourite prize for thieves. Some bicycles are extremely valuable and like all your possessions, should be insured against theft or damage. If you or your family own more than one bike, it’s even more important to ensure that all bikes are covered in case of damage, loss or theft.

The first step is to check your home and contents insurance policy to see if your bike is included in the list of valuables. This might be sufficient for some people, but if you plan to actually ride your bike, and it happens to be stolen while you are away from the home, you obviously won’t be covered. Also, if you belong to a cycling club and ride competitively, you’ll want to consider a higher level of insurance.

Those insurance companies ( who deal specifically with covering cyclists will usually include:

  •  Theft from home or away from home, including overseas
  •  Personal accident cover
  •  Loss, or damages sustained in transit, for example on roof racks or on a bus or train
  • Accidental damage or crashing whilst racing or competing
  • Accidental damage or crashing whilst riding in any situation

As with all insurance policies, it’s important to ensure that you have enough coverage on your bicycle, as some insurers may impose a cap or limit on the amount insurable.


The risks that apply to bicycle riders also extend to motorcycle riders. However, insuring your motorcycle is different to car, and/or bicycle insurance. In terms of risk to the insurer, there are a number of factors to consider.

  • Comprehensive Motorcycle Insurance protects you if your motorcycle is damaged, or you damage someone else’s property, or if it’s stolen. Comprehensive policies even cover theft or loss of expensive riding gear like helmets, boots or other valuables in storage compartments on your bike.
  • Basic Third Party Motorcycle Insurance is general cover which protects you if you cause damage to someone else’s vehicle or property. Premiums vary between insurers, but it’s an affordable option favoured by many motorcyclists on a budget.
  • Anti-theft Motorcycle Insurance provides a cheaper option and will cover you if your bike is stolen and is not retrievable. This includes replacement with the same make and model if you purchased the bike brand new. If your bike is damaged as the result of theft, this insurance will pay for repairs and on-road costs.

Cyclists and motorcyclists alike enjoy the freedom of getting around on two wheels, so it is of paramount importance to keep safe, protect your property – and make sure you’re insured before you ride!


Life Insurance Choices: How to Pick the Best Option

Life insurance gives you the ability to provide for your family when you’re gone, all while covering potentially expensive final costs of funeral services and medical bills. Of course nobody actually likes to think about this possibility, it is necessary and the more prepared you are, the better off your family is going to be. In order to do this you’ll find obtaining life insurance is a must. In addition to comparing the life insurance rates there are also some other factors which should determine your decision.


Life insurance is going to help you pay for all of these circumstances and you’ll also have a nest egg for your family to live off of. On top of it all, life insurance can come in as a rather valuable investment, so you need to know what to look for and what sort of investment these services can offer. Not all life insurance policies are created equal, so it is essential to look over the different options made available to you and sift through the bad policies in order to locate the one best for you and your family.

Protection vs. Investment
This is the main aspect you need to look into when it comes to selecting the very best life insurance policy for you and your family. Protection is exactly what it sounds like. The protection policy is there to provide your family with a lump sum payment designed to cover all possible expenses and protect your family from having to pay out of pocket. This kind of life insurance usually only goes into effect should you pass on.


On the other hand, an investment life insurance policy does give you the option of keeping the insurance until you die, but you also have the option of cashing it in after a set period of time. This is because you pay in on regular or set premiums in which you gain interest. The interest is often higher than what you might receive in a savings account or other forms of investment (including CDs and high-yielding savings accounts). An investment life insurance policy is an excellent choice for younger individuals because even if you decide to cash this in, you have time to open a new life insurance policy without a hefty monthly fee. The younger you are when opening a life insurance policy the lower the monthly payments.

Payment Contracts
One necessary aspect to look into, regardless of the form of insurance you take out, is the payment contract. Some life insurance policies only pay out should you die, but this doesn’t help much if you are diagnosed with a terminal illness or a critical illness. These are incredibly expensive, which is why it is important to make sure the life insurance policy pays out should one of these occur.