Insurance

IIHS announces 2007 Top Safety Pick awards – 13 vehicles many are SUV's

IIHS announces 2007 Top Safety Pick awards – 13 vehicles many are SUV's

2007 Honda CR-V

The Insurance Institute for Highway Safety (IIHS) released the Top Safetypick awards for 2007, which included 4 cars, 7 SUVs, and 2 minivans. The 13 vehicles were cited for safety excellence by doing the best job at safety when in a front, side and rear crashes. These tests along with a required electronic stability control (ESC) were the criteria for IIHS to narrow down the 13 safest vehicles for 2007. Pickups were not included in the testing because they have not determined the side crash safety.

The required electronic stability control (ESC) is now a must have criteria for being selected and is new requirement for 2007. ESC significantly has shown to reduce crash risk and especially when involving fatal single-vehicle crashes. The ESC system help aid a driver when driving in emergency maneuvers that could otherwise cause the car to spin or roll out of control. Last year, 2006 models won that did not have ESC, because they did well under crash tests, but this year they wouldn’t win because they do not have ESC installed.

Auto Theft Truth and Consequences

Auto Theft Truth and Consequences

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November 1, 2006, Washington, DC – In 2005, a vehicle was stolen every 25.5 seconds in the United States, based only on data for the 1,235,226 stolen vehicles reported to the National Crime Information Center (NCIC). Using the FBI’s average valuation of $6,173 per stolen vehicle, this amounts to over $7.6 billion in losses in 2005 – just in vehicle value alone. (see press release at www.nicb.org)

“Auto theft is an expensive crime, so it is important to be prepared in advance to handle your vehicle being stolen. But all too often, consumer attitudes about preventing vehicle thefts are based on misconceptions, which can lead to expensive consequences for the unprepared victim,” says Carolyn Gorman, Vice President of the Insurance Information Institute (I.I.I.), a non-profit consumer education organization.

Divorce and Health Insurance Benefits

Divorce and Health Insurance Benefits

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Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer "family" members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost. That way is to enter into a separation agreement, but delay the divorce. That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed. The parties can consent to waiting for one, two or more years before either one files for a divorce.

Physician Expense Insurance - covers all your physician related expenses

Physician Expense Insurance - covers all your physician related expenses

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Physician Expense Insurance – sometimes called the regular medical expense insurance - is a form of health insurance that covers the expenses incurred on the services of a physician other than surgery.

No human has ever lived on the earth without even a bout of illness and a subsequent stay in the hospital. On the other hand, healthcare expenses has always been at the higher end and an extended stay in a hospital due to some ill health is going to set one back by thousands of dollars if not higher. True, one cannot check destiny. The best thing one can do is to remain prepared for any such occurrences. It is where healthcare insurance – here physician expense insurance – offers one a helping hand. It has been explicitly conceived to take care of all physician related expenses minus surgery.

What to Offer for HUD Foreclosures?

What to Offer for HUD Foreclosures?

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You have found your dream home and it is a HUD foreclosures. You have done a walk-through of the HUD house and it seems to be in good shape, just a few minor repairs.

Unfortunately, you have already made a major mistake. Your real estate agent, who is your uncle, has never sold a HUD home foreclosure. He does not have any idea how much you should offer for a HUD foreclosure. Your uncle is not a lone; most real estate agents are not experienced in HUD foreclosure listings.

First, a little about what you can and can’t do when buying HUD home foreclosures:

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