Pollsters asked some Ontario residents earlier this month whether they think the cost of auto insurance is very important.
Seventy per cent said it is, while 67 per cent also said coverage is very important – a virtual dead heat. The difference came down to 10 individuals in a group of 327 contacted by Harris/Decima.
Costs could rise in importance as more motorists are hit with steep price increases on their auto insurance premiums when they receive their renewal notices. Several major insurers, reacting to the soaring cost of injury claims, have received approval in the past 15 months to raise their premiums by an average of more than 10 per cent.
But the association of therapy clinics that sponsored the recent poll thinks the message to be drawn from the results should be: Don't mess with the health-services coverage.
The provincial government is expected to announce what changes it has in mind for auto insurance benefits and regulations within days. Consumers may be given more choice about how much health coverage to buy, but no details are known.
"Protection is just as important to people as affordability," Nick Gurevich, a clinic owner who speaks for the Alliance of Community Medical and Rehabilitation Providers, insisted in an interview.
But it's clear when speaking with him that he would accept some limits, or a choice of coverage limits for minor sprains, strains and whiplash injuries.
"We are, in fact, not against that proposal, but we part ways on the mechanics of how it should work," he said. ``What happens if a brain injury is diagnosed a year later?"
What he opposes strongly is giving consumers the choice of buying just $25,000 of coverage for minor injuries and for more serious injuries. The poll showed many consumers do not know much, or spend much time, researching their auto-insurance coverage.
The clinics in his association supply such services as physiotherapy, chiropractic therapy, occupational therapy, psychological treatment, acupuncture and speech-language therapy.
Most of these services are not generally paid for by Ontario's government-run health insurance plan, although a sizeable minority of the persons polled thought they were.
It could be argued the association's poll was designed to extract a desired set of results. (What survey that is sponsored by an interest group does not do that?)
Pollsters asked at one point whether it is the government's moral responsibility to ensure "adequate coverage" or ensure that auto insurance is affordable.
Not surprisingly – given the lack of definition of what adequate would be – more were in favour of adequate coverage than more affordable insurance. Nearly twice as many said it would be a bad idea for the government to accept an insurance industry proposal for a "stripped-down version" of auto insurance.
Barbara Sulzenko-Laurie, vice-president of policy at the Insurance Bureau of Canada, said nothing described as "stripped down" is likely to appeal to consumers.
"Everyone knows what a stripped-down car is," she chuckled. "You don't want to drive it."
A more revealing question, she suggested, would be to ask consumers whether their definition of adequate coverage for a sprain or strain would include "17 weeks of housekeeping service," or merely enough therapy treatments to return to their normal activities.
The problem for consumers who are very concerned about price is they are forced by law to pay for somebody else who does want their house cleaned while they recover from a pain in their neck, back or ankle.
Source
Tuesday, December 15, 2009
Saturday, November 28, 2009
Affordable Auto Insurance - Utilizing Auto Insurance for Your Business is Smart Move
As with any business, utilizing business automotive insurance helps your business to keep moving forward. If you own a small business, you have to take into consideration allowing a budget for automotive insurance. This will help to make sure that you provide the best for your employees.
It can be difficult for a business to operate without a company automotive insurance policy. Even if your business is extremely small, having insurance helps to show your customers that you are a stable company. As the owner of the business, it is up to you to get the correct insurance for your business’s needed. It is of the utmost importance to protect your company vehicles.
Utilizing insurance websites that offer multiple quotes at once can be helpful in your looking for the right insurance to fit your company. Keep in mind that carrying automotive liability, comprehensive coverage, uninsured and under insured drivers coverage is included in your policy. This will help protect you and your employees with medical fees, collision coverage, and the coverage of the business’s cars.
There are many insurance companies on the market today that would love to have you as a customer. The most important part of buying automotive insurance should be that you are dealing with a well-established company that has a history of claim pay-outs so that you do not have to put your business on hold to fight to get your vehicles fixed.
Having a good insurance company will help to make sure that when you get your vehicles repaired quickly, that the repairs will be covered and you will be reimbursed. This will help in getting your vehicles back on the road in less time and get your employees back to work quicker.
Even though you business might be small, it must look professional in all aspects and carrying the right insurance on your company cars is a step in this direction. This will put you in league with the bigger companies and clients are more likely to use an insured business than if you didn’t have insurance. If you are looking to expand your company in the future, making sure you are with an insurance company that can grow with you is a very important thing.
Source
It can be difficult for a business to operate without a company automotive insurance policy. Even if your business is extremely small, having insurance helps to show your customers that you are a stable company. As the owner of the business, it is up to you to get the correct insurance for your business’s needed. It is of the utmost importance to protect your company vehicles.
Utilizing insurance websites that offer multiple quotes at once can be helpful in your looking for the right insurance to fit your company. Keep in mind that carrying automotive liability, comprehensive coverage, uninsured and under insured drivers coverage is included in your policy. This will help protect you and your employees with medical fees, collision coverage, and the coverage of the business’s cars.
There are many insurance companies on the market today that would love to have you as a customer. The most important part of buying automotive insurance should be that you are dealing with a well-established company that has a history of claim pay-outs so that you do not have to put your business on hold to fight to get your vehicles fixed.
Having a good insurance company will help to make sure that when you get your vehicles repaired quickly, that the repairs will be covered and you will be reimbursed. This will help in getting your vehicles back on the road in less time and get your employees back to work quicker.
Even though you business might be small, it must look professional in all aspects and carrying the right insurance on your company cars is a step in this direction. This will put you in league with the bigger companies and clients are more likely to use an insured business than if you didn’t have insurance. If you are looking to expand your company in the future, making sure you are with an insurance company that can grow with you is a very important thing.
Source
Sunday, November 15, 2009
Auto Insurance News – Does Auto Insurance Cover Rental Cars?
Many people seem to have the same question regarding their automotive insurance and going on vacation. Will your automotive insurance cover your rental car? You want to make sure you are covered and know how to answer when the rental car representative asked if you want to buy the insurance for the rental car. The only way to make sure that you are covered under your regular automotive insurance is to pull out your papers and look. It is always recommended to double check with your agent by giving them a call.
Usually, there are two instances where you will be covered by your car insurance for a rental car.
Automotive Insurance Policy: Many insurance agencies will grant this coverage to their rental cars as well, under the heading of it being considering taking a vacation, so you need to double check with you insurance agency. If you are leaving for a business trip, your employer should have insurance extended to you for the trip. They are responsible for this, not your private auto insurance.
Automotive Insurance Through Credit Card Company: Many credit card companies will provide you protection on cars rented on their credit card. While the coverage amounts can vary depending on which credit card company it is, you should always check with the conditions of the card to make sure you will be covered enough or you should add on rental car insurance when you go to rent it. You don’t want to be held having to pay enormous amounts of money out of your pocket.
If you decide that having extra coverage will better your situation, there are many common insurance options available to you and are given usually at all rental companies.
Collision Damage Waiver & Loss Damage Waiver: This pays if you have lost your rental car from a theft or it is has been vandalized or damaged in an accident. This is also commonly referred to as CDW and LDW.
Personal Accident Insurance: This pays if you have medical bills from a car accident that has taken place in your rental car. This is also known as PAI.
Supplemental Liability Insurance: This pays you up to one million dollars in extended liability coverage. This is also known as SLI.
Usually, there are two instances where you will be covered by your car insurance for a rental car.
Automotive Insurance Policy: Many insurance agencies will grant this coverage to their rental cars as well, under the heading of it being considering taking a vacation, so you need to double check with you insurance agency. If you are leaving for a business trip, your employer should have insurance extended to you for the trip. They are responsible for this, not your private auto insurance.
Automotive Insurance Through Credit Card Company: Many credit card companies will provide you protection on cars rented on their credit card. While the coverage amounts can vary depending on which credit card company it is, you should always check with the conditions of the card to make sure you will be covered enough or you should add on rental car insurance when you go to rent it. You don’t want to be held having to pay enormous amounts of money out of your pocket.
If you decide that having extra coverage will better your situation, there are many common insurance options available to you and are given usually at all rental companies.
Collision Damage Waiver & Loss Damage Waiver: This pays if you have lost your rental car from a theft or it is has been vandalized or damaged in an accident. This is also commonly referred to as CDW and LDW.
Personal Accident Insurance: This pays if you have medical bills from a car accident that has taken place in your rental car. This is also known as PAI.
Supplemental Liability Insurance: This pays you up to one million dollars in extended liability coverage. This is also known as SLI.
Wednesday, October 28, 2009
Auto Insurance Rates Decline - Consumers Find Reduced Car Insurance Quotes
s the economy has been effected in most markets auto insurance rates have also declined and many car insurance providers are having to lower they're rates to keep clients and stay competitive. Rather than having to call individual auto insurance companies to get their car insurance premiums you can compare the plans on one simple website. The way most insurance companies come up with their rates are by the average of the lowest rate quotes. When you request auto insurance quotes the website is often a broker and they get their own cut from your policy if you choose to signup since it saves you time from having to go to each provider individually.Another thing to beware of if you took advantage of the cash for clunkers program is that having a new car especially if financed can end up costing you a lot more since it is newer. So before you actually purchase your new vehicle checkout the current car insurance premiums for that make and model.
One helpful tip that depends on your level of risk is that you can higher your deductible from $250 to $500 and many people have their comprehensive auto insurance premium lower from 15 to 30 percent.
Source
One helpful tip that depends on your level of risk is that you can higher your deductible from $250 to $500 and many people have their comprehensive auto insurance premium lower from 15 to 30 percent.
Source
Thursday, October 15, 2009
Think People Driving Without Car Insurance Really Care? The Answer Is No!
The chances are good that every time you drive your car, there are people driving around you without auto insurance. Many people believe car insurance is just another bill to pay and in return they see no value. If you think this is an exaggeration, these same people have plenty of tickets to prove it.
Nearly 12 out of every 100 cars are not insured. If you look outside your office and see 50 cars of co-workers, assume that 6 of them are uninsured. According to 11News, in the state of Texas this estimate is even higher: 15 percent of drivers are uninsured. One of the major reasons that auto insurance rates rise every year is because if you are not insured, you make the premiums for all drivers go up."That fact alone should be enough motivation to have at least basic coverage. If you get into an accident and have to pay out of pocket, it's going to cost a lot more than if you were properly insured."
The good news is that if you driving record is good, your monthly car insurance premiums will be low. Sites such as InsuranceQuotes.com allow you to receive quick and easy quotes within minutes. You will be contacted either via email or phone by insurance agents that want to earn your business.
Listed below are a few tips to keep your monthly car insurance premiums low:
-Reduce your deductible. Simply raising your deductible from $500 to $1000 will shave up to $200 per year off your premiums. This means that if you have an accident, you will be responsible for paying the first $1,000 out of pocket. This makes a lot of sense, especially if you have an older car. If an older car has damage, you may be better off putting the $1000 down towards a new car
-Keep your driving record clean- If you get caught speeding, your insurance rates might increase as much as 15% per ticket. Avoid getting your license suspended. Too many driving tickets or DUI might increase the price of your policy up to 40 percent, and in many cases you won't be able to get approved next time you shop for auto insurance quotes. If you go several years incidents, you will be rewarded with low monthly insurance.
-Buying two types of insurance from the same company or insuring more than one car is very likely to get you a discount. Also, insurance companies reward long term customers with preferential rates.
-Maintain a good credit score to keep your insurance rates low, since insurance companies check credit records. More important, with a good credit score, you have more freedom to dump your current insurance company and shop around for better deals.
-Get married. There is a strong likelihood your insurance rates will decrease when you get married. While this shouldn't be the only reason you get married, it may be the extra push you need to tie the knot.
Source
Nearly 12 out of every 100 cars are not insured. If you look outside your office and see 50 cars of co-workers, assume that 6 of them are uninsured. According to 11News, in the state of Texas this estimate is even higher: 15 percent of drivers are uninsured. One of the major reasons that auto insurance rates rise every year is because if you are not insured, you make the premiums for all drivers go up."That fact alone should be enough motivation to have at least basic coverage. If you get into an accident and have to pay out of pocket, it's going to cost a lot more than if you were properly insured."
The good news is that if you driving record is good, your monthly car insurance premiums will be low. Sites such as InsuranceQuotes.com allow you to receive quick and easy quotes within minutes. You will be contacted either via email or phone by insurance agents that want to earn your business.
Listed below are a few tips to keep your monthly car insurance premiums low:
-Reduce your deductible. Simply raising your deductible from $500 to $1000 will shave up to $200 per year off your premiums. This means that if you have an accident, you will be responsible for paying the first $1,000 out of pocket. This makes a lot of sense, especially if you have an older car. If an older car has damage, you may be better off putting the $1000 down towards a new car
-Keep your driving record clean- If you get caught speeding, your insurance rates might increase as much as 15% per ticket. Avoid getting your license suspended. Too many driving tickets or DUI might increase the price of your policy up to 40 percent, and in many cases you won't be able to get approved next time you shop for auto insurance quotes. If you go several years incidents, you will be rewarded with low monthly insurance.
-Buying two types of insurance from the same company or insuring more than one car is very likely to get you a discount. Also, insurance companies reward long term customers with preferential rates.
-Maintain a good credit score to keep your insurance rates low, since insurance companies check credit records. More important, with a good credit score, you have more freedom to dump your current insurance company and shop around for better deals.
-Get married. There is a strong likelihood your insurance rates will decrease when you get married. While this shouldn't be the only reason you get married, it may be the extra push you need to tie the knot.
Source
Monday, September 28, 2009
Auto Insurance - Auto Insurance Companies That Specialize in Providing Coverage to Younger Drivers
You are most likely aware of the importance of having a good automotive insurance policy to protect your vehicle and that of others on the streets. It is also just as important to compare auto insurance premium rates when you are buying a new policy or about to renew your previous policy. It is possible that you could save some money by switching to another company and still having the same coverage, or better, for the same amount you are paying or less. Researching is well worth your effort.
Insurance companies vary due to they are allowed to set their own insurance premium rates. There is no set standard established that all insurance companies must abide by. Many insurance agencies will perform an annual check to adjust their rates according to the volume of claims that they were made to pay out through the previous year. This could mean that by staying with this company you would pay more for the same coverage you could get elsewhere for less money.
When deciding to compare prices for insurance, there are various ways you can do this. You can use the traditional method of calling each company and requesting a quote or you can now go online and get a quote without having to talk with agents on the phone. You can also utilize the insurance comparison websites in order to receive more quotes with only entering your information once.
Currently on the market are insurance companies that will specialize in a certain age range to provide cheaper insurance. If you are under 25, these companies would be good to check out. If you are a more experienced driver, such as in your 50’s, it could also save you to check these out when performing your search.
If you are considering renewing your policy with your existing agency, consider calling them and asking them if that is the lowest rate they are able to offer you. If you have already compared some prices and you have found one that offered a lower rate to you, if you mention it to your company they may match it or beat it in order to keep your business.
Insurance companies vary due to they are allowed to set their own insurance premium rates. There is no set standard established that all insurance companies must abide by. Many insurance agencies will perform an annual check to adjust their rates according to the volume of claims that they were made to pay out through the previous year. This could mean that by staying with this company you would pay more for the same coverage you could get elsewhere for less money.
When deciding to compare prices for insurance, there are various ways you can do this. You can use the traditional method of calling each company and requesting a quote or you can now go online and get a quote without having to talk with agents on the phone. You can also utilize the insurance comparison websites in order to receive more quotes with only entering your information once.
Currently on the market are insurance companies that will specialize in a certain age range to provide cheaper insurance. If you are under 25, these companies would be good to check out. If you are a more experienced driver, such as in your 50’s, it could also save you to check these out when performing your search.
If you are considering renewing your policy with your existing agency, consider calling them and asking them if that is the lowest rate they are able to offer you. If you have already compared some prices and you have found one that offered a lower rate to you, if you mention it to your company they may match it or beat it in order to keep your business.
Monday, September 7, 2009
Finding Cheap Car Insurance For Teenagers
However, the good news is that not all car insurance companies typecast teenage drivers as accident prone. Some providers just have to check the credibility of the teenager while they are applying for car insurance. It is important to note that there are factors determining the cost of car coverage and it helps to know what these are so that you could get a cheaper teenager auto insurance but you can still enjoy the benefits that come along with it.
First and foremost, the teenager must know the responsibilities that come with driving. He or she must learn the rules and stick to the guidelines to the letter. The best way to lower the cost of teenager car insurance is to maintain a clean driving record. If you are a parent reading these lines, the best you can do for you children's driving safety is to be an example for them. Know the rules and the guidelines then teach these to them. They can also learn just by observing you.
A cheaper way to get teenager car insurance is to put the teenager in an existing policy. It has been proven to be better then filling up for another application. The teenager can be referred to as the additional driver.
If you opt for this, just make sure that the discounts and the other benefits that are included in your policy can be transferred to your teenager. That is, if it is indicated there that the teenager will get these benefits.
You can also enroll your teenager in driving classes. Teenager auto insurance is cheaper if the individual is applying for it has already had lessons from credible driving schools. You can ask the car insurance provider if they recommend a specific driving school.
It is also important to note that sports cars automatically mean an expensive insurance rate. This is because the driver will be tempted to reach the limit of the vehicle. For car insurance companies, this will mean a high possibility of accidents.
At the same time, a car that has safety equipments means that the driver is very responsible. Car insurance companies will then provide a lower teenager auto insurance for that reason.
Finally, the teenager can also get brownie points by showing the car insurance companies that he goes to school full time, has a 3.0 average, and is an active member of an association in their community. Whatever he decides to present to the car insurance company, it is very important that he knows the costs of the insurance so that your child is aware of how much it's worth.
Source
First and foremost, the teenager must know the responsibilities that come with driving. He or she must learn the rules and stick to the guidelines to the letter. The best way to lower the cost of teenager car insurance is to maintain a clean driving record. If you are a parent reading these lines, the best you can do for you children's driving safety is to be an example for them. Know the rules and the guidelines then teach these to them. They can also learn just by observing you.
A cheaper way to get teenager car insurance is to put the teenager in an existing policy. It has been proven to be better then filling up for another application. The teenager can be referred to as the additional driver.
If you opt for this, just make sure that the discounts and the other benefits that are included in your policy can be transferred to your teenager. That is, if it is indicated there that the teenager will get these benefits.
You can also enroll your teenager in driving classes. Teenager auto insurance is cheaper if the individual is applying for it has already had lessons from credible driving schools. You can ask the car insurance provider if they recommend a specific driving school.
It is also important to note that sports cars automatically mean an expensive insurance rate. This is because the driver will be tempted to reach the limit of the vehicle. For car insurance companies, this will mean a high possibility of accidents.
At the same time, a car that has safety equipments means that the driver is very responsible. Car insurance companies will then provide a lower teenager auto insurance for that reason.
Finally, the teenager can also get brownie points by showing the car insurance companies that he goes to school full time, has a 3.0 average, and is an active member of an association in their community. Whatever he decides to present to the car insurance company, it is very important that he knows the costs of the insurance so that your child is aware of how much it's worth.
Source
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