What You Don't Know About Buying Car Insurance Can Hurt You

What You Don't Know About Buying Car Insurance Can Hurt You Review

Michael A. Schafer is an attorney who concentrates his law practice in personal injury litigation. His office is in Louisville, Kentucky. Mike graduated from the University Of Louisville School Of Law in 1985. He was an assistant Commonwealth s Attorney in Louisville for three years. He then spent two years working for an insurance defense firm. He opened his own practice in 1990. Mike now represents people who have been injured in automobile accidents. He helps them through the maze of insurance law to assure they receive fair and just compensation for their injuries and other damages.

Insurance for Dummies

Insurance for Dummies Review

Now updated — your guide to getting the best insurance policy

Are you intimidated by insurance? Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you're looking for personal or business insurance, you'll see how to avoid common pitfalls, lower your costs, and get what you deserve at claim time.

• Get to know the basics — understand how to make good insurance decisions and reduce the chances of a financial loss in your life

• Take your insurance on the road — manage your personal automobile risks, handle special situations, insure recreational vehicles, and deal with insurance adjusters

• Understand homeowner's and renter's insurance — know what is and isn't covered by typical policies, common exclusions and pitfalls, and how to cover yourself against personal lawsuits

• Buy the right umbrella policy — discover the advantages, and coordinate your policies to cover the gaps

• Manage life, health, and disability risks — explore individual and group policies, understand Medicare basics, and evaluate long-term disability and long-term-care insurance

Open the book and find:

• The best life, health, home, and auto policies

• Strategies for handling the claims process to get what you deserve

• Tips on adjusting your deductible to suit your lifestyle

• How to navigate healthcare policies

• Ways to reduce your risk and your premiums

• Common traps and loopholes

• Considerations for grads, freelancers, and remote workers

Minnesota holds that car rental company may not by contract make renter's auto insurance policy primarily responsible for accident coverage; rental ... article from: Journal of Risk and Insurance

Minnesota holds that car rental company may not by contract make renter's auto insurance policy primarily responsible for accident coverage; rental ... article from: Journal of Risk and Insurance Review

This digital document is an article from Journal of Risk and Insurance, published by American Risk and Insurance Association, Inc. on June 1, 1998. The length of the article is 941 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: Hertz Corp was authorized to operate as a self-insurer in Minnesota in line with the terms of the state No-Fault Automobile Insurance Act. However, its contract provided that the firm would be responsible for auto liability claims arising out of the rental only if the renter/operator of the rented vehicle does not have other auto liability insurance. The Minnesota Supreme Court has ruled in Hertz Corp v. State Farm Mutual Insurance Co deciding that Hertz cannot by contract make a car renter's auto insurance policy solely responsible for accident coverage.

Citation Details
Title: Minnesota holds that car rental company may not by contract make renter's auto insurance policy primarily responsible for accident coverage; rental company policy or self-insurance is primary as it is "closest to the risk" of rental auto mishap.
Author: Jeffrey W. Stempel
Publication:Journal of Risk and Insurance (Refereed)
Date: June 1, 1998
Publisher: American Risk and Insurance Association, Inc.
Volume: v65 Issue: n2 Page: p344(3)

Distributed by Thomson Gale

Price-protection insurance: in 2007, Pricelock Inc. launched a way for new car buyers to lock in fuel prices. Now CEO Robert Fell has turned to the ... ENERGY): An article from: Risk & Insurance

Price-protection insurance: in 2007, Pricelock Inc. launched a way for new car buyers to lock in fuel prices. Now CEO Robert Fell has turned to the ... ENERGY): An article from: Risk & Insurance Review

This digital document is an article from Risk & Insurance, published by Axon Group on September 15, 2010. The length of the article is 826 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: Price-protection insurance: in 2007, Pricelock Inc. launched a way for new car buyers to lock in fuel prices. Now CEO Robert Fell has turned to the insurance world.(RISK & INSURANCE[R] RISK INNOVATOR[TM]: ENERGY)
Author: Matthew Brodsky
Publication:Risk & Insurance (Magazine/Journal)
Date: September 15, 2010
Publisher: Axon Group
Volume: 21 Issue: 8 Page: 38(2)

Distributed by Gale, a part of Cengage Learning

Hail cover created for car dealerships. (Stewart Smith Specialty Risks introduces Hail Exchange insurance coverage program): An article from: ... & Casualty-Risk & Benefits Management

Hail cover created for car dealerships. (Stewart Smith Specialty Risks introduces Hail Exchange insurance coverage program): An article from: ... & Casualty-Risk & Benefits Management Review

This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on October 13, 1997. The length of the article is 535 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Hail cover created for car dealerships. (Stewart Smith Specialty Risks introduces Hail Exchange insurance coverage program)
Author: Stephanie D. Esters
Publication:National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: October 13, 1997
Publisher: The National Underwriter Company
Volume: v101 Issue: n41 Page: p9(1)

Distributed by Thomson Gale

Insuring a passion: insurers and agents, like McKeel Hagerty, say '60s and '70s muscle cars are fueling sales.(Property/Casualty: Auto Insurance ... table): An article from: Best's Review

Insuring a passion: insurers and agents, like McKeel Hagerty, say '60s and '70s muscle cars are fueling sales.(Property/Casualty: Auto Insurance ... table): An article from: Best's Review Review

This digital document is an article from Best's Review, published by Thomson Gale on October 1, 2007. The length of the article is 17016 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Insuring a passion: insurers and agents, like McKeel Hagerty, say '60s and '70s muscle cars are fueling sales.(Property/Casualty: Auto Insurance Package)(Cover story)(Statistical table)
Author: Meg Green
Publication:Best's Review (Magazine/Journal)
Date: October 1, 2007
Publisher: Thomson Gale
Volume: 108 Issue: 6 Page: 28(12)

Article Type: Cover story, Statistical table

Distributed by Thomson Gale

Vulture Culture: Dirty Deals, Unpaid Claims, and the Coming Collapse of the Insurance Industry

Vulture Culture: Dirty Deals, Unpaid Claims, and the Coming Collapse of the Insurance Industry Review

We all dutifully write out checks for insurance coverage each month, assuming that if the worst should occur, we'll be protected financially. But what we don't know about the insurance business could - and most probably will - hurt us. "Vulture Culture" is a hard-hitting expose of the sorry state of the industry, from tales of rampant, widespread corruption to inconsistent state regulations and the inability - and often unwillingness - of the federal government to protect the rights of denied claimants.The book takes readers into a world of bid-rigging, fraudulent commissions, and secret payoffs, revealing shocking abuses and ominous new trends. Readers will hear about a rogue's gallery of shady executives, including a CEO whose massive claim denial schemes eventually got him fired ...at great cost to consumers. From the Hurricane Katrina fiasco of unpaid claims, to a revolving door in which former insurance executives regulate their own industry before returning to it themselves, this is a shocking account of an industry on the brink of collapse, and what must be done to fix it before it's too late.

Modelling losses using an exponential-inverse Gaussian distribution [An article from: Insurance Mathematics and Economics]

Modelling losses using an exponential-inverse Gaussian distribution [An article from: Insurance Mathematics and Economics] Review

This digital document is a journal article from Insurance Mathematics and Economics, published by Elsevier in 2004. The article is delivered in HTML format and is available in your Amazon.com Media Library immediately after purchase. You can view it with any web browser.

Description:
An exponential-inverse Gaussian distribution is used to model the claim size distribution. The distribution has shorter tails than the Pareto distribution and it is considered as a plausible model for data without large tails. We present the model allowing for covariates. Properties of the model are discussed. An EM algorithm is provided to fit the model. The algorithm is quite simple and programmable without need for any special functions. The model can be seen as a random effect model for exponential survival times regression. A real data application using a car-insurance company portfolio data is provided.

Plaintiff, start your engines! U.S. automakers believe it is better to do battle with the pirates of intellectual property and cope with all the other ... An article from: Risk & Insurance

Plaintiff, start your engines! U.S. automakers believe it is better to do battle with the pirates of intellectual property and cope with all the other ... An article from: Risk & Insurance Review

This digital document is an article from Risk & Insurance, published by Thomson Gale on May 1, 2005. The length of the article is 1938 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Plaintiff, start your engines! U.S. automakers believe it is better to do battle with the pirates of intellectual property and cope with all the other risks involved in an emerging market like China to win a share of an important new growth market.(INDUSTRY RISK REPORT: AUTO MANUFACTURING)
Author: Patricia Vowinkel
Publication:Risk & Insurance (Magazine/Journal)
Date: May 1, 2005
Publisher: Thomson Gale
Volume: 16 Issue: 6 Page: 46(2)

Distributed by Thomson Gale

Self-insurance saves Budget $10M. (Budget Rent-a-Car): An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Self-insurance saves Budget M. (Budget Rent-a-Car): An article from: National Underwriter Property & Casualty-Risk & Benefits Management Review

This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on October 23, 1989. The length of the article is 1116 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Self-insurance saves Budget M. (Budget Rent-a-Car)
Author: Lisa S. Howard
Publication:National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: October 23, 1989
Publisher: The National Underwriter Company
Issue: n43 Page: p9(3)

Distributed by Thomson Gale

Live Your Life Insurance

Live Your Life Insurance Review

"Live Your Life Insurance" shows you exactly how you can take advantage of one of the most common, but misunderstood, financial tools. In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive - and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies - this book will be your guide.

Car Safety Guide - A Guide to Preventing Car Theft and Vandalism

Car Safety Guide - A Guide to Preventing Car Theft and Vandalism Review

Protect your automobile from being stolen with this guide. This guide provides valuable security tips and anti-theft recomendations which will protect your car from thieves. Also included in this guide are tips on how to avoid carjacking.

The Consumer Awareness Guide to Buying Car Insurance in Georgia

The Consumer Awareness Guide to Buying Car Insurance in Georgia Review

Ty Wilson is a personal injury attorney who has written a guide to purchasing automobile accident insurance in Georgia, including uninsured/underinsured motorist coverage. Mr. Wilson believes that the insurance companies have conspired to keep consumers "in the dark" about uninsured and underinsured motorist coverage-both of which can make a significant difference in a serious accident in which litigation becomes necessary.

Wilson presents scenarios to show how quickly the minimum auto insurance coverage can run out in the case of a serious injury. For example, he describes a case in which a 37-year-old woman on a motorcycle was critically injured in a collision with a driver who was talking on a cell phone. The at-fault driver had Georgia minimum insurance coverage and very few assets, so was essentially "judgment-proof." His insurance coverage wasn't enough to cover even one week of the injured motorcyclist's hospitalization. The plaintiff in this case thought she had "full coverage," but her ,000 in uninsured motorist coverage wasn't enough to cover the series of MRIs she needed once she got out of the hospital. She suffered further set-backs because of lost wages, but had no legal recourse since the defendant had no assets. If she'd had better UM/UIM coverage, it would have helped her.

Wilson recommends readers buy as much as they can afford- and suggests 0,000. He gives rate quotes from a few different insurance companies to show that the significant increase in coverage over the legal minimum does not cost significantly more in premiums.

Handbook to Practical Disaster Preparedness for the Family, 2nd Edition

Handbook to Practical Disaster Preparedness for the Family, 2nd Edition Review

This handbook will help you to establish a practical disaster preparedness plan for your entire family. The 2ND EDITION has been expanded to include discussions of long-term food storage options, firearm selection and handling, disaster preparedness networks, radiological emergencies, our country’s impending financial collapse, and much more. Steps are also provided to help you prepare for the five deadliest types of natural disasters: earthquakes, tornadoes, hurricanes, floods, and tsunamis. This new larger 8" x 10" format includes easy-to-copy worksheets to help organize your family's preparedness plans. Additional information is presented for the elderly, those with children, people with disabilities, pregnant women, and pet owners. Every topic is well researched with over 280 references cited.

Ten Questions - The Insider's Guide to Saving Money on Auto Insurance - Hidden Discounts Revealed

Ten Questions - The Insider's Guide to Saving Money on Auto Insurance - Hidden Discounts Revealed Review

How much do you pay for your auto insurance? If you are reading this, the answer is most likely "too much!" You are looking for information that will help you save your hard-earned dollars, and you have found it.

Ten Questions is not a book for "dummies," but it is an easy to use, half-hour read, specifically designed to help save you money.

It is absolutely guaranteed to do just that. If you do not find any benefit in Ten Questions, (no matter which version you buy) simply return it for a full refund.

Chapter One, "Risk" will help you understand what factors are used to determine your rating "tier," and how to improve them. Much of that determination is made through your answers to a series of questions you will be asked, either online, or in person by an agent. These are the "Ten Questions" referred to in the title.

Chapter Two, "Discounts" contains a detailed description of nearly every available auto insurance discount, and how to obtain them. A single 5% discount that you have been missing each policy term is costing you far more than this guide will.

Chapter Three, "Coverages" is a comprehensive explanation of nearly every available auto insurance coverage, including what each one does, (and does not do) for you, and how to the determine the proper balance of cost versus benefit when choosing them.

Chapter Four, "Sample Quote Process," is your ultimate weapon in getting your new policy, because it details an actual phone quote in real time, along with the "correct" answers to the "Ten Questions." Knowledge is power, and this guide is a very powerful tool that you will be able to use as long as you are driving and insuring vehicles.

Advanced Topics is new for 2012, and this section includes "Youthful Driver Strategies," and "State Specific Information," such as a layman's explanation of so-called "No-Fault" coverages, and "Full," versus "Limited" Tort.

The Appendix contains all the technical terms that are used in the guide, to help you understand the "trade talk" in the auto insurance industry.

This guide will save you money in several ways, including:

• It will help you find and qualify for discounts.
• It will show you how to improve your rating tier, and lower your "base rate."
• It will help you allocate your premium dollars more effectively, so that you get the best coverage at the best price.

Find out what the insurance companies don't want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy renews in order to do so. Ten Questions isn't about getting the cheapest policy at the cheapest price: It's about getting the best policy at the best price.

Learn the answers to the Ten Questions today, and get a better policy for less money, tomorrow.

eBay Motors the Smart Way: Selling and Buying Cars, Trucks, Motorcycles, Boats, Parts, Accessories, and Much More on the Web's #1 Auction Site

eBay Motors the Smart Way: Selling and Buying Cars, Trucks, Motorcycles, Boats, Parts, Accessories, and Much More on the Web's #1 Auction Site Review

In 2002, 300,000 vehicles with a total value of three billion dollars were sold on one Web site - Ebay. This is a practical reference for all buyers and sellers.

Exceeding Customer Expectations: What Enterprise, America's #1 car rental company, can teach you about creating lifetime customers

Exceeding Customer Expectations: What Enterprise, America's #1 car rental company, can teach you about creating lifetime customers Review

What’s the secret to wowing your customers while maintaining a loyal and dedicated workforce? No one knows better than Enterprise, the nation’s #1 car rental company. Drawing upon the time-tested strategies that have propelled Enterprise from a single location in St. Louis into a billion global powerhouse, EXCEEDING CUSTOMER EXPECTATIONS reveals how to:

• Actively seek out unsatisfied customers and quickly turn them into loyal fans
• Hire smart people and train them from the ground up
•Develop methods to reduce costs and add value for your customers in every interaction.
• Grow your business by rewarding employees with financial incentives, forming strong partnerships, and focusing on the long-term
• Thrive during tough economic times by bringing new advantages to the market
• Cultivate a fun and friendly workplace where teamwork rules

In EXCEEDING CUSTOMER EXPECTATIONS, noted business author Kirk Kazanjian reveals how your company can consistently outperform and outsmart the competition by following a simple philosophy espoused by Enterprise founder Jack Taylor: “Take care of your customers and employees first, and the profits will follow.” Winning customer loyalty is like running a marathon–not a 100-yard dash. By mastering this principle, Enterprise has earned not only record profits, but also received numerous awards for customer service and earned an enviable reputation as one of the world’s best companies to work for.

EXCEEDING CUSTOMER EXPECTATIONS imparts timeless lessons on satisfying both customers and employees that you can put to use right away, no matter what your business or industry.