Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

New York Insurance Guide

New York City, New York is known as the “Big Apple” but residents of the state-whether they are city dwellers or enjoy the more pastoral views of the northern part of the state-get to take a big bite out of the financial protection that their insurance regulators have offered up for them in auto, home and health insurance regulations.

New York Auto Insurance

New York auto insurance regulations differ slightly from the rest of the country’s because this no-fault state requires drivers to have liability insurance, personal injury protection (PIP), uninsured motorist coverage and wrongful death coverage with minimum coverage of 50/100. The state requires a minimum of $25,000 coverage for single-injury bodily injury liability and $50,000 for multiple person injuries. They also require at least $10,000 for property damage liability.

New York Health Insurance

New York health insurance regulations require that insurers issue health insurance policies on a guaranteed basis even to individuals who have pre-existing conditions. As such, there is no need for a state-subsidized high-risk pool. If a policyholder should choose a high deductible health insurance policy, regulations do allow state income tax deductions for contributions to health savings accounts (HSAs).

Small groups in New York can consist of as few as 2 people for group health insurance. Individuals within the group who have pre-existing conditions that had a 63 day or longer gap in coverage over the past 6 months can have their condition excluded from the group plan for up to one year. Rates for group policies in New York are controlled by pure community rating.

New York Home Insurance

Home insurance is an important coverage for all residents of New York, even though New York home insurance regulations do not require it. Apartment dwellers in the state should consider renters insurance to protect their belongings. New Yorkers may experience both tornadoes and hurricanes and should make sure they have adequate coverage. While bed bugs are making a come-back in the more urban areas of the city, home insurance and renters insurance policies do not cover the damages associated with having-and getting rid of-these pests.

New York Life Insurance

In 1941, New York life insurance regulators became the first in America to create a guaranty association that would protect consumers in the event that their insurer became insolvent. This happened when they created the Life Insurance Company Guaranty Corporation of New York. The association provides up to $500,000 in death benefits and cash surrender values to policyholders left abandoned by their insurers.

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