Changing Auto Insurance Companies

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There are many different reasons, you may consider switching your car insurance, but there are also a number of things you should consider before making new ones, that a change from the old.

First you must be very sure that your new policy is already active, and we are working for you before making the switch. After a written confirmation of this coverage allows the switch with confidence. E-mail orfaxes, insurance companies can now deliver proof of insurance fairly quickly and without delays.

Once you do have that proof of insurance, you can request that your old company cancel your coverage. You have to be careful to make sure that you are providing the old insurance carrier with your new policy information. This is because insurance companies are required to notify the Department of Motor Vehicles if there is a gap or loss of coverage on your part. Giving them the new name and number they don't end up notifying the DMV- and this can save you a lot of grief later on.

Depending on the policy that is replaced you may still yet have some work to do before you can really be sure that everything is properly set into motion. If you changed carriers at the end of your car insurance term, it is usually not all that different from filing for a renewal. You will likely have to obtain a new invoice for your premium payment, new policy ID cards and make sure that your policy terms and conditions are correct. However, if you did change insurance mid policy, this may require a bit more legwork to do correctly. Firstly, make sure that you get a cancellation endorsement. Simply canceling your policy and letting the old insurer know is not sufficient- many people do this and then find that they have a bill for the next premium anyway, so make sure that you get this in writing.

Toss out your old

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Auto Racing answering your questions

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For many, the true essence behind the wheel of a car speed, driving their cars. This is a rush of adrenaline that only compare a few things. Love, racing to beat the clock and other individuals with the automatic. Some people are content to see the show, but others must be at the heart of the action, to ensure that they are trying to find the assault.

Auto racing comes in many forms, some illegal and some legal. This is a sportTraffic has been the advent of advertising and continue to gain popularity as more cars racing on the famous and traditional advertising. If you find you love the road and want the thrill of competing, you want to know as much as possible racing possible. In this article we will see some of the key questions when it comes to this sport.

What is racing?

Motorsport is a sport whereAuto racing. You can order the clock or other drivers or race to see who has the fastest car and the best pilot. Racing dates the advent of the automobile. Even then, people are more interested in speed and outracing their competitors.

He grew up in a very popular sport, especially in the southern United States, where niche market has developed in its course very personal. People running everything from motorcycles, cars, trucksto win glory and honor. Some competitions on a competitive circuit and some professional amateur racing at local drag strips.

I do not want to compete in a race car professional, there are amateur races?

There are a number of amateur race, which happen every weekend across the country. Many of the clubs in the amateur race car sponsored. They give amateur riders the chance to compete against cars of its class to see who is the better driver with better carit is.

If you are interested in an amateur event, you must first determine whether your vehicle for racing and when the appropriate opportunity, to use with your vehicle. There is no guarantee that you wreck and this can cause a lot of business insurance to cover the payment of a frown. Also, there are safety rules that must be considered when you are going to race.

It is not dangerous car race?

Yes, Auto Racing dangerous. UsThere is no way past, you know I'm driving in a high speed and there's always the chance that you wreck. The wreck can be your fault or may be other drivers, but there is still a possibility. But the value of epinephrine, the risk is the thrill of driving at higher speed and against competitors.

If you take precautions and make sure the vehicle is not safety devices can reduce the risk of injury. You should always make sure yourCar is in good condition before the race. This means that the air pressure in the tires, checking the condition of the tires themselves and make sure your engine is running properly. With the right information and precautions to reduce possible risks that may occur.

I like the look amateur race on TV. There is to see good shows?

There are some great shows to see, but one that stands out Speed TV roses and pink All-Out You can relax inthe comfort of your home and see how amateurs race pride and joy against other runners. The winner gets to take home the car of the loser. This is not a show for the race car around the track, however. These cars are intended to drag strips and race as they can get going.

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There really is a tank trip from Los Angeles!

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Los Angeles is a great city to live and visit. do the lights, towering buildings and tons of people that there is an exciting place. However, there are times when it could all remedies. Even with a limited budget, you can enjoy a change of scenery. One tank trip around The possibilities are almost endless.

When it's time to move away from Los Angeles that feed just kick the tires, gasoline, and head out to places like:

Vasquez rocks naturalArea Park - Agua Dulce, this 905 acre park is famous for its unusual rock formations. The park offers a perfect weekend and can quickly note that residents of Los Angeles, California, has some amazing expanse worth a visit.

Kimberly Crest House and Gardens - The goal is a French chateau in a building full of Redlands Italian gardens. The Villa is a scan of the glory of Kimberly-Clark Kimberly paper.

Santa Barbara County - the magic, beauty andto live much slower than Santa Barbara is famous for is really just a tank. In fact, cars are less than a tank. Santa Barbara County is home to a number of attractions worth a must-see list. Disk between Los Angeles and Santa Barbara, La Purisima Mission attractions include Quick Silver Horse Ranch, a number of wineries, parks and more.

Joshua Tree National Park - hiking, mountaineering, mountains and incredible views make thisNational Park is a precious haven for Los Angeles residents on a budget. The park is located about 140 miles east of Los Angeles and is known for its breathtaking scenery and climate of the desert adored.

The Anaheim theme parks in the area - Knott's Berry Farm, Disneyland, Anaheim and other attractions are a short distance from Los Angeles. These parks are a great way to get away from it all without having to travel too far.

San Diego - This beautiful city is only a hop, skip and a jumpsouth of Los Angeles. Just over a tank might be needed for some vehicles, but the stock is worth an extra in the sights of San Diego. The city offers many attractions including the very famous San Diego Zoo, Sea World, Old Town and more. During the journey may take some time depending on traffic, it is also worth a visit.

Oceanside - While Los Angeles has many beaches can get the masses out of control. If a different point of view is desired on the PacificOceanside is the place to go. The community has an incredible beaches and many other attractions, including golf courses, the Mission San Luis Rey, California Surf Museum, and much more.

When it's time away from everything that Los Angeles is a good starting point. From this city of Southern California, travelers can see national parks, theme parks, wineries, beaches and much more. Head in any direction of the city and there are miracles in this worth is no longer necessaryachieve a fuel tank.

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How cheap auto insurance in Georgia Get

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In Georgia there are many beautiful towns and cities to live in them. Most people think when they are ready the southern state of Atlanta to form one. This is not to deny that, in fact, Atlanta is a great place to live, but is usually even more expensive when it comes to price auto insurance. Find someone to an affordable insurance who want to live outside the borders of this great city, the prices were more in Atlantamore expensive than elsewhere in the country.

There are other ways to save on auto insurance for Georgia include this in not moving. A simple, its policy is installed through lower premiums with a safety car. This rule is an alarm outside the arm when leaving the vehicle. If somebody tampers with the vehicle while you are away will have a sound off. Insurance companies often reward drivers with a discount on the premium, ifinstalled. ready to prove the 'installation by a receipt or invoice showing the service.

If you are a young driver at home premiums are paid probably pretty high. A good way to reduce costs and make your insurance cheaper is the class they enroll in a driver training. These classes are often offered by local auto clubs, and consist of the time in the classroom and in the car. The student driver will receive a certificate once theCourse is completed and when the company entered the insurance rates should fall, parents and the new driver to appreciate both. Keep a stain on the honor list can also help young riders can benefit from a good student discount, which means lower premiums.

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Auto Repair Estimates and Car Repair Prices - The Real Information to Avoid Car Repair Scams

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Worrying whether or not you were overcharged for your car repair is an awful feeling. There's tons of advice on how to avoid getting ripped-off, but few discuss the actual car repair prices. We really need to look at the charges on a car repair estimate or auto repair invoice to determine if we're paying too much.

The focus needs to shift from giving outdated and ineffective advice to addressing the specific charges. Are they legitimate charges? Can they be justified by industry guidelines?

Now car repair estimates can be confusing. So let's break it down to get a better idea if your auto repair shop is billing you appropriately.

First, a glossary of terms is in order, as the auto industry has a language of its own...

Aftermarket Parts: parts not made by or for the manufacturer.

MSRP: Manufacturer's Suggested Retail Price

OEM: Original Equipment Manufacturer. Manufacturer approved parts designed specifically for your vehicle.

TSBs: Technical Service Bulletins. Notes and instructions provided by the manufacturer for known and specific concerns (they are not recalls).

Flat Fees: services such as alignments that don't get broken down into parts, tax, labor

Miscellaneous Charges: these can include, but are not limited to shop supplies - rags, chemicals, hazardous waste disposal fees, waste oil ...etc.

Labor Rate: a repair center's hourly charge to service your vehicle

Labor Time: the amount of time or hours determined that it will take to fix your vehicle

Labor Description: the step-by-step written details of repairs and/or services

Ok, let's look at the Anatomy of an Auto Repair Estimate:

There are six basic components to a car repair estimate

1) Customer/Vehicle Information

2) Parts

3) Labor

4) Miscellaneous Charges

5) Flat Fees

6) Summary of Charges

Customer and Vehicle Information
Using a generic "top down" style estimate, the top portion simply contains your personal information and your vehicle's specifics: year, make, model, mileage...etc, as well as your request or concern.

We also want find the shop's labor rate. The labor rate is critical in determining if you paid too much. Most repair centers don't list the labor rate. We'll discuss why shortly.

Auto Parts
Parts are listed usually with a brief description, as well as the quantity, and the price. There are three types of parts: OEM (parts made by or for a manufacturer). These are the parts installed by a dealer, although many local shops use OEM parts too.

Aftermarket parts are non OEM parts, and there are various degrees of quality, depending on the brand and where they're made - China versus USA, for example.

Then there are Used parts purchased from a salvage yard.

To determine if you paid too much for parts, first find out what type of parts are being used. With OEM parts, you don't want to pay more than MSRP, although most people do without realizing it. Premium aftermarket parts are similarly priced across brands, although beware not to pay more than MSRP, which again, many folks do. Used parts prices are all over the place, so pick the price in the middle.

Auto Repair Labor

Labor is billed in tenths. So 1.0 equals 1 hour. 1.5 equals an hour and a half.
Labor rates range from $60 to $100 per hour at local repair shops and $80 to $140 per hour at the dealer level. Labor times are based off established industry guidelines, which are frequently abused.

If you don't see the shop's labor rate posted on the car repair invoice, ask your service center for the rate. Repair shops can manipulate the labor rate (among other things) with a labor matrix. Matrix pricing is a complicated and ethically questionable practice discussed at length in RepairTrust literature. What you need to know is that you can pay as high as $150 per hour rather than the posted labor rate of $105 per hour.

Thus, you'll want to multiply the number of hours billed (which is also often not posted) by the shop's labor rate to determine if you've been charged accordingly.

Most labor descriptions are poorly written and difficult to understand. So ask questions.

Here's a "clear" labor description for a 30,000 mile service on a Toyota Camry.

Performed 30,000 mile service per customer request, and in accordance with manufacturer guidelines. Changed oil and filter, installed new air filter, cabin filter and performed all necessary tests, checks, and procedures, including road test (miles 30,123 - 30,125). Performed lubrication services and confirmed proper vehicle operation. Set tire pressures, and checked fluids, belts and hoses. Note: vehicle is pulling slightly left. Needs alignment

Miscellaneous Charges

The bulk of your car repair invoice will be parts and labor, but we can't forget about Miscellaneous Charges. These charges can include, but are not limited to, shop supplies - rags, chemicals, hazardous waste, disposal fees, waste oil ...etc. The latter of these may be billed out separately in a summary at the bottom of your repair invoice.

Very few of these "extras" are actually used during regular repairs. Miscellaneous charges are calculated off the amount of labor hours billed, not the amount of miscellaneous items used.

Flat Fees

Flat fees can be another very tricky area. Flat fees are services, such as an alignment, which don't get broken down into parts, tax and labor. This makes it difficult to determine the real and fair price. On the plus side, most flat fees are competitively priced.

Be warned however, another term for Flat Fee is called Menu Selling. In other words, you might see Tune Up: $99.99 or Transmission Flush: $89.99. Follow your manufacturer's recommendations only, not a dealer's or repair shop's menu.

For an interesting read on this topic, click
car maintenance costs

Summary of Charges

The last part of an auto repair estimate is the summary of charges. It's usually found in the bottom right hand corner of the invoice. Check it against the charges above to ensure that it all adds up mathematically, as well as logically.

This basic estimate outline may differ from your particular invoice, which may have other categories such as "Sublet" or "HazMat."

A sublet charge is added when your auto repair shop uses another vender to fix or repair your car, such as a glass company that replaces your windshield.

A HazMat charge may include waste oil or other disposal fees. Just make sure that the charges are warranted, as again, they too are often calculated off the labor time rather than actual need.

In sum, understanding the "actual" charges, asking the right questions, and breaking down your auto repair costs is the best way to avoid paying excessive car repair prices.

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Auto Repair Estimates and Car Repair Prices - The Real Information to Avoid Car Repair Scams

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Worrying whether or not you were overcharged for your car repair is an awful feeling. There's tons of advice on how to avoid getting ripped-off, but few discuss the actual car repair prices. We really need to look at the charges on a car repair estimate or auto repair invoice to determine if we're paying too much.

The focus needs to shift from giving outdated and ineffective advice to addressing the specific charges. Are they legitimate charges? Can they be justified by industry guidelines?

Now car repair estimates can be confusing. So let's break it down to get a better idea if your auto repair shop is billing you appropriately.

First, a glossary of terms is in order, as the auto industry has a language of its own...

Aftermarket Parts: parts not made by or for the manufacturer.

MSRP: Manufacturer's Suggested Retail Price

OEM: Original Equipment Manufacturer. Manufacturer approved parts designed specifically for your vehicle.

TSBs: Technical Service Bulletins. Notes and instructions provided by the manufacturer for known and specific concerns (they are not recalls).

Flat Fees: services such as alignments that don't get broken down into parts, tax, labor

Miscellaneous Charges: these can include, but are not limited to shop supplies - rags, chemicals, hazardous waste disposal fees, waste oil ...etc.

Labor Rate: a repair center's hourly charge to service your vehicle

Labor Time: the amount of time or hours determined that it will take to fix your vehicle

Labor Description: the step-by-step written details of repairs and/or services

Ok, let's look at the Anatomy of an Auto Repair Estimate:

There are six basic components to a car repair estimate

1) Customer/Vehicle Information

2) Parts

3) Labor

4) Miscellaneous Charges

5) Flat Fees

6) Summary of Charges

Customer and Vehicle Information
Using a generic "top down" style estimate, the top portion simply contains your personal information and your vehicle's specifics: year, make, model, mileage...etc, as well as your request or concern.

We also want find the shop's labor rate. The labor rate is critical in determining if you paid too much. Most repair centers don't list the labor rate. We'll discuss why shortly.

Auto Parts
Parts are listed usually with a brief description, as well as the quantity, and the price. There are three types of parts: OEM (parts made by or for a manufacturer). These are the parts installed by a dealer, although many local shops use OEM parts too.

Aftermarket parts are non OEM parts, and there are various degrees of quality, depending on the brand and where they're made - China versus USA, for example.

Then there are Used parts purchased from a salvage yard.

To determine if you paid too much for parts, first find out what type of parts are being used. With OEM parts, you don't want to pay more than MSRP, although most people do without realizing it. Premium aftermarket parts are similarly priced across brands, although beware not to pay more than MSRP, which again, many folks do. Used parts prices are all over the place, so pick the price in the middle.

Auto Repair Labor

Labor is billed in tenths. So 1.0 equals 1 hour. 1.5 equals an hour and a half.
Labor rates range from $60 to $100 per hour at local repair shops and $80 to $140 per hour at the dealer level. Labor times are based off established industry guidelines, which are frequently abused.

If you don't see the shop's labor rate posted on the car repair invoice, ask your service center for the rate. Repair shops can manipulate the labor rate (among other things) with a labor matrix. Matrix pricing is a complicated and ethically questionable practice discussed at length in RepairTrust literature. What you need to know is that you can pay as high as $150 per hour rather than the posted labor rate of $105 per hour.

Thus, you'll want to multiply the number of hours billed (which is also often not posted) by the shop's labor rate to determine if you've been charged accordingly.

Most labor descriptions are poorly written and difficult to understand. So ask questions.

Here's a "clear" labor description for a 30,000 mile service on a Toyota Camry.

Performed 30,000 mile service per customer request, and in accordance with manufacturer guidelines. Changed oil and filter, installed new air filter, cabin filter and performed all necessary tests, checks, and procedures, including road test (miles 30,123 - 30,125). Performed lubrication services and confirmed proper vehicle operation. Set tire pressures, and checked fluids, belts and hoses. Note: vehicle is pulling slightly left. Needs alignment

Miscellaneous Charges

The bulk of your car repair invoice will be parts and labor, but we can't forget about Miscellaneous Charges. These charges can include, but are not limited to, shop supplies - rags, chemicals, hazardous waste, disposal fees, waste oil ...etc. The latter of these may be billed out separately in a summary at the bottom of your repair invoice.

Very few of these "extras" are actually used during regular repairs. Miscellaneous charges are calculated off the amount of labor hours billed, not the amount of miscellaneous items used.

Flat Fees

Flat fees can be another very tricky area. Flat fees are services, such as an alignment, which don't get broken down into parts, tax and labor. This makes it difficult to determine the real and fair price. On the plus side, most flat fees are competitively priced.

Be warned however, another term for Flat Fee is called Menu Selling. In other words, you might see Tune Up: $99.99 or Transmission Flush: $89.99. Follow your manufacturer's recommendations only, not a dealer's or repair shop's menu.

For an interesting read on this topic, click
car maintenance costs

Summary of Charges

The last part of an auto repair estimate is the summary of charges. It's usually found in the bottom right hand corner of the invoice. Check it against the charges above to ensure that it all adds up mathematically, as well as logically.

This basic estimate outline may differ from your particular invoice, which may have other categories such as "Sublet" or "HazMat."

A sublet charge is added when your auto repair shop uses another vender to fix or repair your car, such as a glass company that replaces your windshield.

A HazMat charge may include waste oil or other disposal fees. Just make sure that the charges are warranted, as again, they too are often calculated off the labor time rather than actual need.

In sum, understanding the "actual" charges, asking the right questions, and breaking down your auto repair costs is the best way to avoid paying excessive car repair prices.

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Medicare & Medicaid Doctor Directory - How to Find Doctors Who Accept Medicare and Medicaid

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If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.

Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.

Not only that, but private insurers are not longer willing to "subsidize" public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.

As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.

There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.

So, how do you find a doctor that will take new Medicare/Medicaid patients?

Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.

To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.

You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.

Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.

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Cheap Auto Insurance in Alabama at Your Fingertips

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Even with 4.6 million residents as of 2006, you can find cheap auto insurance rates in Alabama whether you have a great driving record or a not-so-great one. With a ranking of 23rd in population, this southern U.S. state has several popular nicknames such as "The Yellowhammer State" and "The Cotton State." But "Heart of Dixie" is the most familiar. Since the late 20th century and even today, Alabama's economy thrives due to aerospace, biotechnology and automotive jobs. These along with the major industries of agriculture, mining and steel-making have managed to put a lot of motorists on the highways of Alabama every day.

If you are one of these motorists and would like to obtain cheap car insurance, you should find this to be an easy task with the 128 auto insurance companies in Alabama. Among these are Liberty Mutual, Geico and Progressive. Just be aware that every insurance company is not licensed and authorized in each state, so be sure the company you choose is licensed to serve drivers in Alabama.

Things You Need to Know about Car Insurance in Alabama

As of 2009, the average auto insurance premium for residents in Alabama was $1,420 and the national average was $1,735. All drivers are required to carry liability insurance when driving a vehicle. The minimum requirement of the state of Alabama is a $25,000/$50,000 limit in Bodily Injury Liability coverage and a $25,000 limit in Property Damage Liability coverage. You have the option to choose whether you want to carry car insurance or put up a bond or deposit of $50,000. You must have proof of insurance in your vehicle at all times while driving in Alabama. If you are driving without the proof and get stopped by a police officer, your car registration will be suspended.

A Tort system is followed in the state of Alabama. This means a person must be found to be at fault for causing the accident and along with their insurance provider, will be held responsible for all damages. Find out the details of the Tort system in your area, because it varies from state to state.

Factors that Affect Your Car Insurance Rate

If you are looking for a cheap car insurance premium, here are some major factors that companies will consider to help determine your premiums. They'll consider the number of miles you drive every year, your driving distance to work, driving experience, theft protection devices in your vehicle, multiple cars and drivers in your household, and whether or not you currently have auto insurance. Other factors that providers will consider include your age, gender, marital status, driving violations, vehicle type, accident claims, credit rating and occupation. Carefully take a look at these factors before you talk to a company about cheap auto insurance coverage. Some of these factors can't be changed, but some can...and you can potentially save hundreds of dollars per year!

Searching Online for Cheap Car Insurance in the State of Alabama

If you are having trouble finding cheap car insurance in Alabama or just don't have the time to make all those phone calls, now you can get free car insurance quotes online any time you want in just a few minutes. When receiving quotes from most providers, you'll be offered the option of choosing the package that suits your particular need.

You'll find that searching for cheap auto insurance online is as easy as the click of a mouse if you prepare before shopping online with necessary paperwork on hand, get rid of all distractions, stay alert and know your priorities. Now, all you have to do is enjoy the convenience of sitting back and clicking away to purchase your cheap Alabama car insurance.

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Cheap Auto Insurance in Alabama at Your Fingertips

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Even with 4.6 million residents as of 2006, you can find cheap auto insurance rates in Alabama whether you have a great driving record or a not-so-great one. With a ranking of 23rd in population, this southern U.S. state has several popular nicknames such as "The Yellowhammer State" and "The Cotton State." But "Heart of Dixie" is the most familiar. Since the late 20th century and even today, Alabama's economy thrives due to aerospace, biotechnology and automotive jobs. These along with the major industries of agriculture, mining and steel-making have managed to put a lot of motorists on the highways of Alabama every day.

If you are one of these motorists and would like to obtain cheap car insurance, you should find this to be an easy task with the 128 auto insurance companies in Alabama. Among these are Liberty Mutual, Geico and Progressive. Just be aware that every insurance company is not licensed and authorized in each state, so be sure the company you choose is licensed to serve drivers in Alabama.

Things You Need to Know about Car Insurance in Alabama

As of 2009, the average auto insurance premium for residents in Alabama was $1,420 and the national average was $1,735. All drivers are required to carry liability insurance when driving a vehicle. The minimum requirement of the state of Alabama is a $25,000/$50,000 limit in Bodily Injury Liability coverage and a $25,000 limit in Property Damage Liability coverage. You have the option to choose whether you want to carry car insurance or put up a bond or deposit of $50,000. You must have proof of insurance in your vehicle at all times while driving in Alabama. If you are driving without the proof and get stopped by a police officer, your car registration will be suspended.

A Tort system is followed in the state of Alabama. This means a person must be found to be at fault for causing the accident and along with their insurance provider, will be held responsible for all damages. Find out the details of the Tort system in your area, because it varies from state to state.

Factors that Affect Your Car Insurance Rate

If you are looking for a cheap car insurance premium, here are some major factors that companies will consider to help determine your premiums. They'll consider the number of miles you drive every year, your driving distance to work, driving experience, theft protection devices in your vehicle, multiple cars and drivers in your household, and whether or not you currently have auto insurance. Other factors that providers will consider include your age, gender, marital status, driving violations, vehicle type, accident claims, credit rating and occupation. Carefully take a look at these factors before you talk to a company about cheap auto insurance coverage. Some of these factors can't be changed, but some can...and you can potentially save hundreds of dollars per year!

Searching Online for Cheap Car Insurance in the State of Alabama

If you are having trouble finding cheap car insurance in Alabama or just don't have the time to make all those phone calls, now you can get free car insurance quotes online any time you want in just a few minutes. When receiving quotes from most providers, you'll be offered the option of choosing the package that suits your particular need.

You'll find that searching for cheap auto insurance online is as easy as the click of a mouse if you prepare before shopping online with necessary paperwork on hand, get rid of all distractions, stay alert and know your priorities. Now, all you have to do is enjoy the convenience of sitting back and clicking away to purchase your cheap Alabama car insurance.

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Lead And Prospect Generation - How To Be A Successful Insurance Agent!

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It is difficult enough to sell a visible product or service; it is even more difficult to sell a concept or convincing a customer to pay in advance for some eventuality which may occur sometime in the future. Though insurance is an excellent safeguard against mishaps it is often difficult to get people to believe in it to the extent of investing their money.

Under these circumstances, to see your insurance business grow, it is very important to go about marketing various products offered by you in the right direction and be successful and adept in lead and prospect generation. Any business requires extensive advertising. Making your product or service visible to as many people as possible is one of the most important aspect of business.

Today, we are lucky to have the powerful medium of the internet to explain about our products or services whatever the case may be to a large number of people all over the world. Here we have a host of sites offering promises of enhanced business opportunities on payment of a minimal amount. With the amount of competition on the internet, it often becomes difficult to distinguish between a genuine and a bogus claim.

It is also impossible to call so many clients on the telephone, explaining various insurance products on offer on a continuous basis. You may have excellent products and schemes but may not have the time to make hundreds of phone calls.

Choosing an effective advertising medium is sure to make your insurance business grow leaps and bounds. You could target the right customers and generate a huge volume of business. Lead and prospect generation has never been easier. The auto recruiter software is an innovative voice broadcasting lead generation system which actually brings customers to your doorstep. You do not have to chase your clients. All you have to do is to become a member of this incredible system, sit back, relax and wait for your customers to come searching for you.

Just as there are a lot of insurance companies looking for the right customer, there are a lot of customers looking for the right insurance agents. To bring both in contact is what the auto recruiter system does. You need to just pay a negligible amount for a voice broadcast offering information on your service which will call a huge database of prospects.

Customers who are looking for insurance companies are sure to then contact you. All the auto recruiter system does is to bring the right buyer and the right seller in contact. Lead and prospect generation becomes as easy and effortless as this. This is a great opportunity to take off on your insurance business.

So, what are you waiting for? You could be one of the most successful insurance agent or company....join this incredible system and wait for your phone to keep ringing asking you for your insurance solutions...

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Auto Parts, Take One For the Road

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We are planning a trip to Arizona in a little more than a week, and we need to make sure our van is up to snuff for the ride. We'll be traveling down through central and southern Utah, entering Arizona through page, heading down to the areas around Show Low, and finally stopping in St. Johns for the rest of our trip. We have some friends down there and will be visiting them for a few days before making the same trip back again. We'll be heading though all kinds of weather, and I expect to see snow, rain, and a lot of heat before the trip is over. All of our van's systems for dealing with the variations in weather must be working properly, or it might be an uncomfortable and unsafe voyage.

I think everything is working well, but just to be safe, we will likely invest in some extra auto parts. Aside from the spare tire, we'll have extra fuses and windshield wiper blades. I may also check with our auto insurance provider to see if there are any authorized repair shops along the way. We do plan to stop for the night on the way down, either at Bryce Canyon or somewhere in Page, and it might not be a bad idea to take advantage of the diagnostic services available at each location to make sure everything it running up to specs.

We want to have a good time, and the more we prepare now, the less we will have to worry about it once we are on the road.

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Cheap Car Insurance in Charlotte, North Carolina

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Living in Charlotte, North Carolina offers many benefits including the charm of the city's southern hospitality. However, just like most major metropolitan centers in the United States, residents of Charlotte must have liability coverage on their motor vehicles. Failure to provide proof of the minimum amount of coverage including $150,000 for property damage, $25,000 for injuries per person per accident and an addition $50,000 to cover all injuries can result in a car not being registered. It's easy to see why it might be appealing to simply go out and purchase this no-frills type policy, but that's only going to be adequate in a few instances.

Most of us just need more coverage than that. It might be because we drive a car that is new or newer or it might be because we simply don't feel comfortable about the idea of having such limited coverage in the event an injury does occur. For this reason, there are many insurance companies in Charlotte, North Carolina all offering some form of car insurance coverage that is meant to appeal to the bulk of drivers. Finding the right policy that still offers cheap rates can be a challenge, but it certainly can be done.

One of the best and most effective ways to lower car insurance rates for anyone, regardless of the type of car they drive or their personal driving record is to request a higher deductible. Many insurance companies give quotes based on a deductible of $250. This is the standard amount that most people would pay should they have to cover the deductible on a claim. When the deductible is higher, the individual is agreeing to the premise that they'll pay the additional amount in exchange for a lower insurance rate. For someone who rarely, if ever, makes a claim, this is a great way to secure cheap car insurance in Charlotte, North Carolina.

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What You Can Expect From An Insurance Settlement

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What Kinds of Compensation Can You Receive?

If you have been injured in an accident, you have rights. You have the right to recover money damages. However, what you are entitled to varies from state to state. I will address Nevada law since that is where I practice. However, I will also comment on issues that you need to identify within your own state. You are entitled to recover from the person who hurt you for all of your losses. You are entitled to be made "whole." This general rule has been altered in states where there is "no-fault" insuance or where there are recovery caps on damages. Otherwise, here are some of the kinds damages you are entitled to:

o Repair or replacement of your damaged property, including the car and other personal property

o Loss of past and future wages and earning capacity

o Payment of medical bills relating to your treatment from injuries sustained in the accident, including anticipated future medical expenses

o Compensation for your pain and suffering, mental and physical--past, present and future.

It is very important you know the value of these things and your potential for recovery before settling with the insurance company.

How Much Are My Damages Worth?
There are different ways of valuing your case. Your case is worth (1) what you are willing to be paid, (2) what the insurance company is willing to pay, or (3) what an arbitrator, judge or jury says it is worth. Attorneys and insurance companies keep track of these figures, and there are even books and databases that contain this information.

There are several ways of convincing an insurance company, judge or jury what your case is worth. The main thing is to provide documentation of all of the losses you have sustained. You have to document ALL of your losses in order to prove your case to the insurance company. After all, they are not in the business of handing out money. You have to prove your case.

Often, you will think your case is worth more than what the insurance company is willing to pay. Hiring an attorney with legal expertise will help you put a fair value on your case. Without professional help, you can research the value of your case in a library or on the Internet. These methods will not be as valuable as hiring your own professional.

How Do I Recover Money?
Typically, in order for you to recover money from the insurance company, you must suffer injury or sustain damages that caused by the negligence of a person or business that is a client of that insurance company.

When Will I be Paid?
Most of the time, you will not be paid the money until long after the accident, after you have finished treating for your injuries, your prognosis is known, and after the insurance company has had a lot of time to evaluate your all of the available evidence: the police report, witness statements, recorded statements of you and the other driver, the medical records and bills, and wage loss information. Usually it will take 6 to 9 months before you see a recovery.

You do not have to accept the first offer the insurance company makes you. You have the right to make counter-offers if you do not feel their offer is fair. Many people seek professional advice from an experienced attorney regarding this decision.

Once you agree on a figure, you sign documents releasing the adverse driver, their family and insurance company from any future obligation to pay.

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How to Get Affordable Automobile Insurance in Georgia

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In the state of Georgia there are many wonderful cities and towns in which to live. Most people think of Atlanta when they are ready to make a move to this southern state. There is no denying that Atlanta is indeed a fantastic place to live but it's also generally more expensive when it comes to automobile insurance rates. For someone looking for affordable insurance they may want to live outside the confines of this big city, since the rates in Atlanta are more expensive than anywhere else in the state.

There are other ways to save on automobile insurance in Georgia that don't involve moving. One easy way to lower your policy premiums is by having a car security system installed. These typically consist of an alarm that you arm when you leave the car. If someone tampers with the vehicle while you're away they'll be scared off by the sound. insurance companies often reward drivers with a premium discount if they have one installed. Be prepared to show proof of installation by way of a sales receipt or service invoice.

If you've got a young driver in the home you are probably paying quite high premiums. A good way to lower the cost and make your insurance more affordable is to enroll them in a driver's training class. These classes are often offered by the local auto club and consist of time in the classroom as well as in the car. The student driver will receive a certificate once the course is complete and if that is presented to the insurance company, rates will likely drop which both the parent and the new driver will appreciate. Maintaining a spot on the honor list can also help the young driver qualify for a good student discount, which means lower premiums.

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Changing Car Insurance Companies

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There are many different reasons you may be considering switching your car insurance policy, but there are also quite a number of things that you need to consider before you do make that switch from the old one to the new one.

First of all, you need to make very certain that your new policy is already active and working for you before you do make your switch. Having written confirmation of this coverage will enable you to make your switch with confidence. Using email or faxes, insurance companies can now deliver proof of insurance fairly quickly and without delays.

Once you do have that proof of insurance, you can request that your old company cancel your coverage. You have to be careful to make sure that you are providing the old insurance carrier with your new policy information. This is because insurance companies are required to notify the Department of Motor Vehicles if there is a gap or loss of coverage on your part. Giving them the new name and number they don't end up notifying the DMV- and this can save you a lot of grief later on.

Depending on the policy that is replaced you may still yet have some work to do before you can really be sure that everything is properly set into motion. If you changed carriers at the end of your car insurance term, it is usually not all that different from filing for a renewal. You will likely have to obtain a new invoice for your premium payment, new policy ID cards and make sure that your policy terms and conditions are correct. However, if you did change insurance mid policy, this may require a bit more legwork to do correctly. Firstly, make sure that you get a cancellation endorsement. Simply canceling your policy and letting the old insurer know is not sufficient- many people do this and then find that they have a bill for the next premium anyway, so make sure that you get this in writing.

Toss out your old insurance ID cards and replace them with the new proof of insurance. When the old insurance policy has not run its full term, the cards you have will show the current policy term. This can really be beneficial if there is an accident so you are sure to be using the correct cards should something happen.

Also, make sure that you understand what your old insurance carrier does about unearned premiums- sometimes, insurance companies charge for short rate cancellation factor and this will be a percentage of your unearned premium more often than not.

Switching car insurance policies is generally easier than it may look here. As long as you are certain to make sure that everything you have from proof of insurance with the new company, to proof of cancellation of the old is in writing, you should be fine. Making the transition generally doesn't involve any sort of lapse in coverage and usually goes smoothly for those who have decided that they prefer one company or carrier to another.

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Cheap Car Insurance in Charlotte, North Carolina

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Living in Charlotte, North Carolina offers many benefits including the charm of the city's southern hospitality. However, just like most major metropolitan centers in the United States, residents of Charlotte must have liability coverage on their motor vehicles. Failure to provide proof of the minimum amount of coverage including $150,000 for property damage, $25,000 for injuries per person per accident and an addition $50,000 to cover all injuries can result in a car not being registered. It's easy to see why it might be appealing to simply go out and purchase this no-frills type policy, but that's only going to be adequate in a few instances.

Most of us just need more coverage than that. It might be because we drive a car that is new or newer or it might be because we simply don't feel comfortable about the idea of having such limited coverage in the event an injury does occur. For this reason, there are many insurance companies in Charlotte, North Carolina all offering some form of car insurance coverage that is meant to appeal to the bulk of drivers. Finding the right policy that still offers cheap rates can be a challenge, but it certainly can be done.

One of the best and most effective ways to lower car insurance rates for anyone, regardless of the type of car they drive or their personal driving record is to request a higher deductible. Many insurance companies give quotes based on a deductible of $250. This is the standard amount that most people would pay should they have to cover the deductible on a claim. When the deductible is higher, the individual is agreeing to the premise that they'll pay the additional amount in exchange for a lower insurance rate. For someone who rarely, if ever, makes a claim, this is a great way to secure cheap car insurance in Charlotte, North Carolina.

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How to Get Affordable Automobile Insurance in Georgia

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In the state of Georgia there are many wonderful cities and towns in which to live. Most people think of Atlanta when they are ready to make a move to this southern state. There is no denying that Atlanta is indeed a fantastic place to live but it's also generally more expensive when it comes to automobile insurance rates. For someone looking for affordable insurance they may want to live outside the confines of this big city, since the rates in Atlanta are more expensive than anywhere else in the state.

There are other ways to save on automobile insurance in Georgia that don't involve moving. One easy way to lower your policy premiums is by having a car security system installed. These typically consist of an alarm that you arm when you leave the car. If someone tampers with the vehicle while you're away they'll be scared off by the sound. Insurance companies often reward drivers with a premium discount if they have one installed. Be prepared to show proof of installation by way of a sales receipt or service invoice.

If you've got a young driver in the home you are probably paying quite high premiums. A good way to lower the cost and make your insurance more affordable is to enroll them in a driver's training class. These classes are often offered by the local auto club and consist of time in the classroom as well as in the car. The student driver will receive a certificate once the course is complete and if that is presented to the insurance company, rates will likely drop which both the parent and the new driver will appreciate. Maintaining a spot on the honor list can also help the young driver qualify for a good student discount, which means lower premiums.

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What You Can Expect From An Insurance Settlement

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What Kinds of Compensation Can You Receive?

If you have been injured in an accident, you have rights. You have the right to recover money damages. However, what you are entitled to varies from state to state. I will address Nevada law since that is where I practice. However, I will also comment on issues that you need to identify within your own state. You are entitled to recover from the person who hurt you for all of your losses. You are entitled to be made "whole." This general rule has been altered in states where there is "no-fault" insuance or where there are recovery caps on damages. Otherwise, here are some of the kinds damages you are entitled to:

o Repair or replacement of your damaged property, including the car and other personal property

o Loss of past and future wages and earning capacity

o Payment of medical bills relating to your treatment from injuries sustained in the accident, including anticipated future medical expenses

o Compensation for your pain and suffering, mental and physical--past, present and future.

It is very important you know the value of these things and your potential for recovery before settling with the insurance company.

How Much Are My Damages Worth?
There are different ways of valuing your case. Your case is worth (1) what you are willing to be paid, (2) what the insurance company is willing to pay, or (3) what an arbitrator, judge or jury says it is worth. Attorneys and insurance companies keep track of these figures, and there are even books and databases that contain this information.

There are several ways of convincing an insurance company, judge or jury what your case is worth. The main thing is to provide documentation of all of the losses you have sustained. You have to document ALL of your losses in order to prove your case to the insurance company. After all, they are not in the business of handing out money. You have to prove your case.

Often, you will think your case is worth more than what the insurance company is willing to pay. Hiring an attorney with legal expertise will help you put a fair value on your case. Without professional help, you can research the value of your case in a library or on the Internet. These methods will not be as valuable as hiring your own professional.

How Do I Recover Money?
Typically, in order for you to recover money from the insurance company, you must suffer injury or sustain damages that caused by the negligence of a person or business that is a client of that insurance company.

When Will I be Paid?
Most of the time, you will not be paid the money until long after the accident, after you have finished treating for your injuries, your prognosis is known, and after the insurance company has had a lot of time to evaluate your all of the available evidence: the police report, witness statements, recorded statements of you and the other driver, the medical records and bills, and wage loss information. Usually it will take 6 to 9 months before you see a recovery.

You do not have to accept the first offer the insurance company makes you. You have the right to make counter-offers if you do not feel their offer is fair. Many people seek professional advice from an experienced attorney regarding this decision.

Once you agree on a figure, you sign documents releasing the adverse driver, their family and insurance company from any future obligation to pay.

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Medicare & Medicaid Doctor Directory - How to Find Doctors Who Accept Medicare and Medicaid

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If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.

Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.

Not only that, but private insurers are not longer willing to "subsidize" public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.

As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.

There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.

So, how do you find a doctor that will take new Medicare/Medicaid patients?

Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.

To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.

You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.

Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.

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Lead And Prospect Generation - How To Be A Successful Insurance Agent!

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It is difficult enough to sell a visible product or service; it is even more difficult to sell a concept or convincing a customer to pay in advance for some eventuality which may occur sometime in the future. Though insurance is an excellent safeguard against mishaps it is often difficult to get people to believe in it to the extent of investing their money.

Under these circumstances, to see your insurance business grow, it is very important to go about marketing various products offered by you in the right direction and be successful and adept in lead and prospect generation. Any business requires extensive advertising. Making your product or service visible to as many people as possible is one of the most important aspect of business.

Today, we are lucky to have the powerful medium of the internet to explain about our products or services whatever the case may be to a large number of people all over the world. Here we have a host of sites offering promises of enhanced business opportunities on payment of a minimal amount. With the amount of competition on the internet, it often becomes difficult to distinguish between a genuine and a bogus claim.

It is also impossible to call so many clients on the telephone, explaining various insurance products on offer on a continuous basis. You may have excellent products and schemes but may not have the time to make hundreds of phone calls.

Choosing an effective advertising medium is sure to make your insurance business grow leaps and bounds. You could target the right customers and generate a huge volume of business. Lead and prospect generation has never been easier. The auto recruiter software is an innovative voice broadcasting lead generation system which actually brings customers to your doorstep. You do not have to chase your clients. All you have to do is to become a member of this incredible system, sit back, relax and wait for your customers to come searching for you.

Just as there are a lot of insurance companies looking for the right customer, there are a lot of customers looking for the right insurance agents. To bring both in contact is what the auto recruiter system does. You need to just pay a negligible amount for a voice broadcast offering information on your service which will call a huge database of prospects.

Customers who are looking for insurance companies are sure to then contact you. All the auto recruiter system does is to bring the right buyer and the right seller in contact. Lead and prospect generation becomes as easy and effortless as this. This is a great opportunity to take off on your insurance business.

So, what are you waiting for? You could be one of the most successful insurance agent or company....join this incredible system and wait for your phone to keep ringing asking you for your insurance Solutions ...

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Lead And Prospect Generation - How To Be A Successful Insurance Agent!

Image : http://www.flickr.com

It is difficult enough to sell a visible product or service; it is even more difficult to sell a concept or convincing a customer to pay in advance for some eventuality which may occur sometime in the future. Though insurance is an excellent safeguard against mishaps it is often difficult to get people to believe in it to the extent of investing their money.

Under these circumstances, to see your insurance business grow, it is very important to go about marketing various products offered by you in the right direction and be successful and adept in lead and prospect generation. Any business requires extensive advertising. Making your product or service visible to as many people as possible is one of the most important aspect of business.

Today, we are lucky to have the powerful medium of the internet to explain about our products or services whatever the case may be to a large number of people all over the world. Here we have a host of sites offering promises of enhanced business opportunities on payment of a minimal amount. With the amount of competition on the internet, it often becomes difficult to distinguish between a genuine and a bogus claim.

It is also impossible to call so many clients on the telephone, explaining various insurance products on offer on a continuous basis. You may have excellent products and schemes but may not have the time to make hundreds of phone calls.

Choosing an effective advertising medium is sure to make your insurance business grow leaps and bounds. You could target the right customers and generate a huge volume of business. Lead and prospect generation has never been easier. The auto recruiter software is an innovative voice broadcasting lead generation system which actually brings customers to your doorstep. You do not have to chase your clients. All you have to do is to become a member of this incredible system, sit back, relax and wait for your customers to come searching for you.

Just as there are a lot of insurance companies looking for the right customer, there are a lot of customers looking for the right insurance agents. To bring both in contact is what the auto recruiter system does. You need to just pay a negligible amount for a voice broadcast offering information on your service which will call a huge database of prospects.

Customers who are looking for insurance companies are sure to then contact you. All the auto recruiter system does is to bring the right buyer and the right seller in contact. Lead and prospect generation becomes as easy and effortless as this. This is a great opportunity to take off on your insurance business.

So, what are you waiting for? You could be one of the most successful insurance agent or company....join this incredible system and wait for your phone to keep ringing asking you for your insurance solutions...

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Understanding Motorcycle Insurance

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The laws pertaining to Florida motorcycle insurance have been a source of confusion for many motorcycle owners in the state of Florida. Many motorcycle owners falsely assume that their automobile insurance extends to cover them when they are on their motorcycle, or that if they are hit by a motorist, that motorist's insurance will cover the damages. This simply is not true.

The fact of the matter is, the PIP insurance coverage that you carry on your primary vehicle does not apply to your motorcycle. If you are hit by another motorist and that driver carries only the state minimum insurance, then chances are great that their coverage will be insufficient to cover the damages, either. In short, driving a motorcycle without Florida motorcycle insurance is a major gamble.

PIP Coverage

Most Florida motorists are familiar with PIP coverage. This is the state of Florida's minimal requirement for vehicle insurance. Because Florida is a no-fault state, this PIP coverage will pay out 80% of a drivers medical expenses, plus 60% of lost wages from work missed due to injury, regardless of who was at fault in the accident. If you own a car in addition to your motorcycle, then you at least have this minimal insurance.

However, your PIP coverage does not extend to cover you while you are on your bike. This means that if you injure someone while on your bike, you are unprotected and responsible for the expenses. This can turn even the slightest accident into a financially crippling ordeal.

Property Damage Liability

Beyond the potentially major expenses of medical treatment if you are injured while on your bike, if you damage someone's property in an accident in which you are at fault, then you could be facing even higher costs. Property damage liability coverage protects you if you cause an accident out of carelessness or neglect. Any Florida motorcycle rider should have this type of coverage.

Uninsured Motorist Coverage

Simply making sure that you are covered in the event that you cause an accident while one your motorcycle isn't necessarily enough. Sadly, there are a number of motorists out there who have little regard for the law and do not carry the mandatory bodily injury liability coverage. Unfortunately, if you are hit by one of this reckless and irresponsible drivers then you are left to shoulder the financial burden for medical expenses and replacing your damaged property.

Even if the other motorist is insured, there is no guarantee that their coverage will be sufficient to cover all of your expenses. The minimum coverage requirement in Florida is only $10,000 and medical expenses for serious injuries can easily reach ten times that amount. Carrying additional coverage for yourself is the best way to make sure that you can pay your medical bills if you get injured while on your bike.

Every year, thousands of motorcyclists are injured in Florida. If you ride a motorcycle in Florida and aren't protected with adequate insurance then you are taking a huge risk with your safety and your finances. Having Florida motorcycle insurance may not be mandatory in Florida, but not carrying it is just as foolish as hoping on your bike without proper safety gear. It's just not worth the risk.

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What You Can Expect From An Insurance Settlement

Image : http://www.flickr.com

What Kinds of Compensation Can You Receive?

If you have been injured in an accident, you have rights. You have the right to recover money damages. However, what you are entitled to varies from state to state. I will address Nevada law since that is where I practice. However, I will also comment on issues that you need to identify within your own state. You are entitled to recover from the person who hurt you for all of your losses. You are entitled to be made "whole." This general rule has been altered in states where there is "no-fault" insuance or where there are recovery caps on damages. Otherwise, here are some of the kinds damages you are entitled to:

o Repair or replacement of your damaged property, including the car and other personal property

o Loss of past and future wages and earning capacity

o Payment of medical bills relating to your treatment from injuries sustained in the accident, including anticipated future medical expenses

o Compensation for your pain and suffering, mental and physical--past, present and future.

It is very important you know the value of these things and your potential for recovery before settling with the insurance company.

How Much Are My Damages Worth?
There are different ways of valuing your case. Your case is worth (1) what you are willing to be paid, (2) what the insurance company is willing to pay, or (3) what an arbitrator, judge or jury says it is worth. Attorneys and insurance companies keep track of these figures, and there are even books and databases that contain this information.

There are several ways of convincing an insurance company, judge or jury what your case is worth. The main thing is to provide documentation of all of the losses you have sustained. You have to document ALL of your losses in order to prove your case to the insurance company. After all, they are not in the business of handing out money. You have to prove your case.

Often, you will think your case is worth more than what the insurance company is willing to pay. Hiring an attorney with legal expertise will help you put a fair value on your case. Without professional help, you can research the value of your case in a library or on the Internet. These methods will not be as valuable as hiring your own professional.

How Do I Recover Money?
Typically, in order for you to recover money from the insurance company, you must suffer injury or sustain damages that caused by the negligence of a person or business that is a client of that insurance company.

When Will I be Paid?
Most of the time, you will not be paid the money until long after the accident, after you have finished treating for your injuries, your prognosis is known, and after the insurance company has had a lot of time to evaluate your all of the available evidence: the police report, witness statements, recorded statements of you and the other driver, the medical records and bills, and wage loss information. Usually it will take 6 to 9 months before you see a recovery.

You do not have to accept the first offer the insurance company makes you. You have the right to make counter-offers if you do not feel their offer is fair. Many people seek professional advice from an experienced attorney regarding this decision.

Once you agree on a figure, you sign documents releasing the adverse driver, their family and insurance company from any future obligation to pay.

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To File Or Not to File - Filing an Insurance Claim

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No one looks forward to the day they find themselves in a car accident. Regardless of the severity of the accident, you are likely to be shaken by the situation and unable to think clearly through the situation. With this in mind, it is important to do your research ahead of time so you know what to do in the event you are involved in a car accident.

The process seems like it would be obvious. Move your car out of traffic if possible, call the police, check on everyone to be sure there are no injuries, answer the law enforcements questions, exchange insurance information and be on your way. After the accident you call your insurance company and get your car repaired. Pretty straight forward, right? Actually, not so much.

Every time you are involved in an accident that is reported to your insurance company it is recorded in your records. Even the smallest of accidents can cause you to be considered a higher risk to insure, causing your policy premiums to skyrocket. Some of these claims can be avoided all together, so it's important to assess the situation before you call your insurance agent and report that fender bender.

The first thing to consider whether or not the police officer gave you a citation. If you were the fault of the accident, it is likely that your rate will jump regardless. So if there were damages to your car or the other person's car its in your best interest to go ahead and call your agent.

Generally speaking, anytime there are injuries or damage to another person's property you need to call your insurance company and alert them to the situation. Failing to do so could cause your policy to be cancelled and finding new insurance coverage could be a very challenging task.

When the accident only causes damage to your own car and there are no injuries to report, you should use caution before you pick up the phone and report the incident. If your teenage son, for example, forgets to put the car in park and bumps into the wall of your garage, you may not want to call at all. Look at your insurance policies deductibles and also take a look at your current financial situation. If the damage to your vehicle is less than the deductible, there is no point in reporting the damage. A $1,000 deductible means your paying full price for anything bill that is less than that amount, so calling in the damage will only cost your more in the long run. Even if your damages are a bit more than your deductible, if you have the funds to cover the repairs or you can live with the dings and dents, do so. What you will pay in increased premiums over the next five years will likely cost you more than the bill from your local mechanic.

Your insurance is there to protect you from serious financial loss in the event of an accident. It is best you look at is just that- coverage for the situations that are outside of your abilities to financially fix yourself.

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What Happens If I Don't Have Car Insurance?

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Car insurance is expensive; there is no doubt about that fact. But like taxes, it is one of those things that we just have to pay. It may seem like an easy option to just let your insurance slide, especially when facing financial difficulties as many Americans are today. But the reality is, that if you own a vehicle or drive, you must be insured.

The consequences for driving without insurance vary from state to state, and perhaps even county to county. You are required to show proof of insurance anytime you are stopped by a police officer. In the event you do not have insurance, you will at a minimum be cited and have to appear at court. The court fees are your responsibility, along with any fines. And they will force you to get the insurance you should have had in the first place, and that is if you are lucky. In some areas driving without insurance will not only cost you court fees, fines and the cost of insuring your vehicle but also vehicle impoundment fees, loss of license and jail time. And this is just thinking you simply get pulled over for a traffic stop.

The real damage is done if you are in an accident without having proper insurance. You could find yourself responsible for the damages to your own car, other cars involved in the accident, medical bills for yourself as well as other people involved in the accident... the list goes on and on. Medical bills alone for one person in a serious accident can run into the hundreds of thousands. In the blink of an eye, you can find yourself in the midst of a legal and financial nightmare, and simply put, losing everything you have worked for including your house.

Obtaining car insurance does not have to be extremely expensive, although if you have gone without coverage for more than thirty days you will likely pay a higher premium than someone who has maintained the minimum amount required by law. Look into your states requirements, and at the very least carry those amounts of insurance on your vehicle.

Unless you make car payments, you can generally get by with basic liability coverage. Depending on several factors including the type of car you drive, your driving record, your lifestyle (a spouse and children will pay off for you in this regard), and your age basic liability may cost you as little as $50 a month. Shop around and get quotes from a minimum of five companies, even more if you do not find a quote you are happy with.

If you absolutely cannot afford car insurance, look into other transportation methods while you get back on your feet financially. No matter how you look at it, driving without insurance is not a risk you should take.

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Changing Car Insurance Companies

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There are many different reasons you may be considering switching your car insurance policy, but there are also quite a number of things that you need to consider before you do make that switch from the old one to the new one.

First of all, you need to make very certain that your new policy is already active and working for you before you do make your switch. Having written confirmation of this coverage will enable you to make your switch with confidence. Using email or faxes, insurance companies can now deliver proof of insurance fairly quickly and without delays.

Once you do have that proof of insurance, you can request that your old company cancel your coverage. You have to be careful to make sure that you are providing the old insurance carrier with your new policy information. This is because insurance companies are required to notify the Department of Motor Vehicles if there is a gap or loss of coverage on your part. Giving them the new name and number they don't end up notifying the DMV- and this can save you a lot of grief later on.

Depending on the policy that is replaced you may still yet have some work to do before you can really be sure that everything is properly set into motion. If you changed carriers at the end of your car insurance term, it is usually not all that different from filing for a renewal. You will likely have to obtain a new invoice for your premium payment, new policy ID cards and make sure that your policy terms and conditions are correct. However, if you did change insurance mid policy, this may require a bit more legwork to do correctly. Firstly, make sure that you get a cancellation endorsement. Simply canceling your policy and letting the old insurer know is not sufficient- many people do this and then find that they have a bill for the next premium anyway, so make sure that you get this in writing.

Toss out your old insurance ID cards and replace them with the new proof of insurance. When the old insurance policy has not run its full term, the cards you have will show the current policy term. This can really be beneficial if there is an accident so you are sure to be using the correct cards should something happen.

Also, make sure that you understand what your old insurance carrier does about unearned premiums- sometimes, insurance companies charge for short rate cancellation factor and this will be a percentage of your unearned premium more often than not.

Switching car insurance policies is generally easier than it may look here. As long as you are certain to make sure that everything you have from proof of insurance with the new company, to proof of cancellation of the old is in writing, you should be fine. Making the transition generally doesn't involve any sort of lapse in coverage and usually goes smoothly for those who have decided that they prefer one company or carrier to another.

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