15 Sep 2016

Things to remember when shopping for individual New Jersey health insurance plans  0

The hotly contested Affordable Care Act (ACA) was supposed to have completely transformed the way Americans go about purchasing individual New Jersey health insurance plans, and for many people it has certainly done that and more.

At the same time, there are millions of people here in New Jersey (and millions more all over America) that still aren’t quite sure of what they need to do to purchase individual health insurance – and aren’t able to find the kind of inexpensive individual health insurance they need to protect themselves without blowing up their monthly budget along the way.

In order to help you find the kind of individual health insurance from that you deserve and at a price point you can afford, we’ve put together this quick guide.

The Health Insurance Marketplace isn’t always open

The first (and maybe most important) thing that you have to realize is that the Health Insurance Marketplace for individual plans ISN’T always open all year round.

With the changes that the ACA has put in place, individuals are only going to be able to purchase an individual health insurance plan between November 15 and January 31, during a block of time they call “Open Enrollment”.

That means that if you haven’t purchased your health insurance before January 31, 2016 you may not have the opportunity to do so again until November 15, 2016 – and you’ll have to go the entire year without coverage.

Make sure you do not miss this deadline.

You can get free help in finding the best health insurance with one phone call

Secondly, it’s important to remember that you were going to be able to get free professional help finding the best individual New Jersey health insurance plans for your specific needs with just one phone call to the closest major medical facility or hospital in your area.


All of these major medical facilities have professional health insurance counselors on staff that are going to be able to advise you through the entire process, getting you the kind of health insurance you deserve at a price point that you’ll be able to afford. They work free of charge (they are paid by the hospital or medical facility), so don’t be afraid to take advantage of the advice that they are all too happy to share with you!

Also, you’ll want to make sure that you ask them about any possible subsidies you may be able to take advantage of to lessen the cost of your individual New Jersey health insurance plans.

15 Mar 2016

Buying property insurance in South Carolina  0

Buying property insurance in South Carolina is one thing, making a claim is another. Many times, the stress and anxiety that come with home and property damage can be pretty overwhelming that people find themselves too panicked to properly file a claim. Make sure you’re ready for those heart pounding moments and keep yourself informed on the proper claim filing process to get the speediest response and resolution for your property problems.

Filing a Claim with Your Property Insurance in South Carolina

When a peril takes place, it’s important that you inform the concerned authorities immediately. In case of a theft or break in, call the police. In case of a fire, call the fire department. This is important not only to resolve the problem and capture the perpetrator, but to have the incident formally documented. Having the right proof will help you prove your claim to your insurance provider.

The next thing you should do is contact your insurance agent. Inform them of what happened and let them know of your intention to file a claim. They should give you a process or procedure that you should follow to guide you towards the right direction. If your insurance covers temporary repairs to prevent further damage, your provider might give you a list of referrals that can perform the necessary temporary fixes. If you availed of additional living expenses and your property is deemed unlivable, you can move out for the meantime, find hotel accommodation, buy meals, and incur living expenses to be paid for by your insurance.

Take photos of the damages and be sure to document everything as best as you can. Keep receipts and write down a list of all the items and personal belongings that were destroyed or lost in the event. Present all of these documents to your insurance provider when you discuss the coverage they will provide you.

If and when the company that issued your property insurance in South Carolina gives you an estimate that does not coincide with your expectations, or if you wish to get more out of your claim, you can appeal for reconsideration. If they continue to decline, you can opt to undergo internal or external appeals to get a better deal.

When making a claim, see to it that you have the necessary paperwork and documentation to back up your request. See to it that you thoroughly understand your coverage so you don’t end up asking for protection against a peril you were uninsured for.

15 Mar 2016

Whats required for Automobile Insurance in Pennsylvania  0

If you’ve been a car owner for a while now, you already know that your state probably requires you to buy at least the minimum coverage for your vehicle. While many people think that insurance is simply another expense to add to their monthly bills, automobile insurance in Pennsylvania is actually an investment and should always be a priority for drivers. States and local government require people to have auto insurance in order to ensure the safety of everyone on the road – if everyone is insured, there will be no accidents that can’t be paid for. If you want to find out more about the minimum required coverage that majority of the states require, read through the short pointers below.

Minimum Required Coverage for Automobile Insurance in Pennsylvania

  1. Bodily Injury Protection – This particular coverage promises to answer for any bodily harm, injury, and even death of a person involved in an accident that you caused. Under the minimum required coverage, insurance policyholders are mandated to have bought at least $15,000 / $30,000. The first amount applies to one person involved in a single accident, and the second value corresponds to all people involved in a single accident with no more than $15,000 to any one person. Thinking about potential accidents, it’s not hard to see that these amounts might not be enough, especially if you managed to hurt an entire family. Buying more coverage for bodily injury protection might be a smarter move.
  2. Property Damage – This usually applies to any damage you caused on someone else’s vehicle, but can also apply to building, fences, and other structures involved in the crash. The minimum coverage is set at around $10,000 USD, which means your insurer will pay up to $10,000 USD of destruction and damages caused to others in a single accident.
  3. Personal Injury Protection – Whether you were the cause of the accident or your were merely the victim of an unfortunate series of events, your automobile insurance in Pennsylvania will pay for the injuries and damages you and any of your passengers sustained during the collision. The minimum required coverage under personal injury protection is set at $15,000 / $30,000, with the first value designated to any one person involved in a single accident and the second value for all people involved in a single accident with no more than $15,000 to any one person.


29 May 2015

Get Arizona car insurance quotes  0

When you need to Get Arizona Car Insurance Quotes there’s more than enough insurance companies to get information from. In fact, there’s almost too many insurance companies, so how can you find the best quotes?


Starting online is a good indicator to know what kind of insurance companies are around in your area. Now the best quotes isn’t always necessarily the cheapest, sometimes it’s worth paying more, if you are getting more.


You could also ask your friends, family and neighbors to see who their insurance providers or insurance agents are. While you’re driving records and information will differ, it can be a good measure of a company’s service levels. If you know someone who has made a claim before and they say their insurer was fast, professional and hassle free, it could be worth paying a higher premium.


Remember, insurance is about having the proper protection for the worst case scenario and not just enough to get by.


Everyone’s financial situation and needs will differ when it comes to insurance. Before getting quotes from insurance companies, you should know what types of coverage you want. If an insurer can’t offer you the coverage you want, you shouldn’t sign with them. Insurance is also about peace of mind and if you can’t get what you want, you’ll always be second guessing yourself.


Once you know the types of coverage you want, then you should begin to call insurance companies for quotes. To get accurate comparisons between companies, you’ll need to essentially have as similar coverage plans as possible, this includes the deductible amount.


Once you have the base cost, you should inquire about any other possible discounts that may be available to you. Once you narrow down the cheapest options, it really becomes up to you to choose. If you are looking for the cheapest option, then it should be clear. However, as stated before, having great service can be worth a higher premium.


Of course, once you have your insurance, keep a clean record, a good credit score and minimize any type of small claims. This will help you keep your premium on the lower end of the spectrum.


Even though Arizona has the option to forego insurance by having proof of financial responsibility, it’s still highly recommended to take insurance instead. The costs of an accident can be very high and a $40,000 check may not be enough to cover all the damages.


Even though you know you are a good driver, it doesn’t mean everyone else is.


29 May 2015

Illinois Homeowners Insurance Quotes  0

When looking for the best Illinois homeowners insurance quotes, there are a few things you should do to obtain a premium and accurate quote from an agent. These tips can help you to get your quote easily but more efficiently as well to help save you time. You will also find that taking these tips into consideration when looking for your insurance quotes will help you to determine how the company handles their customers as well. The quote isn’t the only important part of getting insurance, the customer service and satisfaction you receive from the company is another huge factor.

Best Way to Get a Quote

Be sure to look online and get a call to speak to an agent. Speaking to an agent can help you to get more out of your quote as well as get you in touch with a local agent who can help you to effectively review your home for rebuilding costs. You should also request an agent to come to your home to provide the most accurate insurance quote as you can also have the quote provided to you in writing.

When the agent gets to your home, be sure to answer all the questions that they as to ensure all the information you need for your policy is covered. They may ask about the distance between you and the nearest fire department, whether you have a security system, if you have any pets, or simply how big your home is. Each of these questions will play an important role in your policy and will help the agent give you the most accurate quote. Be sure to get all quote information in writing to ensure that you can use this information to get an acceptable price.

Questions You Should Ask

There are a few questions you should ask the agents that you speak with as it can not only help you to get a great quote but also ensure that you have all the information that you need. These questions include asking about the company’s licensing through the state department, and confirming with the state department, and how to find the claims history of a home before you buy it. You should ask about the effects of a claim on your premium upon renewal, as well as the effects your credit will have on your premium. Other questions also include the coverage of a policy, what is and is not covered and the limits of the coverages.

29 May 2015

Finding affordable Michigan health insurance  0

Despite all the negative news stories about the Affordable Healthcare Act, otherwise known as Obamacare, there’s some good news for consumers.  Health care reforms work in favor of most Americans and you may be pleasantly surprised by what you find.

If you are under 26

If you are under age 26, you can now remain on your parents insurance company as a dependent. It doesn’t matter if you are married or even if you live always from you parents’ home. You must be accepted.  There is an additional premium each month, of course, but it’s an easy and usually affordable way to get Michigan health insurance.

Subsidies now exist in the form of tax credits that help you afford Michigan health insurance.  The requirements are fairly straightforward. You must be a U.S. citizen of legal resident.  You must purchase coverage through Michigan’s new health insurance Exchange or Marketplace.  If you are single, your income must be between $11,670 to $46,680 per year and if you are in a family of four it must fall within $23,850 and $95,400 a year.

Consumers who make less than $16,000 might find they are eligible for Medicaid. It is worth investigating in that it will cost less than almost any other plan.

Healthy Michigan

Michigan has expanded its Medicaid program in a program called Healthy Michigan so that more people are eligible. To find more information, go to. You can also apply online at a link on that website or by phone weekdays. It is another program by which residents can access affordable Michigan health insurance.

Be sure you have at your fingertips the Social Security numbers for everyone in your family who needs to be covered. You will also need information on the employer and wages of each person and information on job-related insurance that might be available to your family.  If you have a current health insurance plan, be sure to have the policy number on hand.  Having this data at your fingertips will make the process go more smoothly.

After you enroll in the program, your next step is to choose a specific health plan of the many that are offered by Healthy Michigan. A feel will be charged for health services you receive before you choose your health plan. After you settle on a plan there will be no copayments or premiums in the first six months.