Shape Up for Your Heart


If you’d like to do something that will really please your insurance agent you might want to initiate a program of endurance training.  Endurance training and conditioning is one of the best methods that you can find to get your heart into condition.  And as an insurance agent will tell you, heart disease is one of the leading causes of death in our society today.  So it makes sense to initiate a program aimed at improving your heart condition.

Such a program does not consist exclusively of physical conditioning, although taking advantage of a Groupon coupon for a membership in a local 24 Hour Fitness club can serve as an excellent and essential element of such a program.  You should also adopt a recommended diet of foods – including fruits, vegetables, monosaturated oils, grains and other foods are known as “heart healthy” elements of the diet.  You should also consult your physician for advice regarding other foods to include in your diet, as well as a list of foods to seriously cut back on.

Find out what types of endurance training programs are best to use to strengthen your heart.  Things like jogging, treadmill walking, swimming, and power walking are all possible activities to include in a program of heart conditioning.  However, one should consult a therapist since certain exercises can cause stress that can have negative effects upon your heart.  And if you suffer from high cholesterol, high blood pressure, or angina then you need to be really careful when selecting your exercises, as well as their degree of intensity.  In addition, you may be advised to limit your exercises in certain circumstances.  Finally, you should consult with medical specialists.  Take advantage of trainers and fitness experts at your 24-Hour Fitness club for advice on appropriate exercises to strengthen your heart and keep it pumping well.

So make a promise to yourself that you will institute a new program dedicated to the improved health of your heart.  And promise that your new program will include increased physical conditioning and exercising using your Groupon coupon for health club membership and gym access.  And add to that program a diet recommended to assure a long and happy life.

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Motoring Myths


There are a lot of motoring stories bounded about and many are true, the problem is that these stories can become twisted or outdated and new, inexperienced drivers or just those unsure of the regulations might not know whether to believe them or not leaving them in the ‘blind spot’, to use a motoring term.

Most of the stories are based around particular offences that occur on the roads and what you can and can’t be fined for, but there are plenty around insurance, too. For example, many believe that just because you reach the age of 25 your premiums will drop substantially. While many insurers do lower prices for drivers aged 25 or above, there is no legal requirement to do so, and while you can get Budget Direct Motor insurance – to use an example – there is no requirement for them to lower their prices, it’s down to you and your driving!

While fast food restaurants are dotted along just about every major road network, you are not actually meant to be eating or drinking while at the wheel. Many believe that because you can eat in your car, you can eat while you drive but in actual fact you would be driving without due care and attention and it’s no different to people who have been famously caught applying their make-up in the mirror or using a mobile phone.

One particularly common story is how you are given ten percent discretion if you break the speed limit. By this, I mean that if you are caught doing 33mph in a 30mph zone, you will not be prosecuted. The fact is, if the police catch you doing as little as 1mph over the limit, they have the power to stop you and give you a warning. However, if you’re caught by a camera then you have no right of appeal and you will be faced with a fine and points on your license, or the option of going on a speed awareness course.

Another myth is that it’s alright to use your mobile phone in the car as long as you’re not moving, such as when stuck in a traffic jam on the way to work in the morning. However, if the police catch you with your phone in your hand and the engine running – even if stationary – then you can still be penalised for using your phone at the wheel, resulting in a fine and three points on your license.

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California Shakes Up Auto Insurance Laws


Thanks to Jerry Brown, California’s governor, Californians will be enjoying several changes in 2013 relating to their auto insurance policies. The 30th of September of 2011 was California’s last chance for approving or declining all the new insurance laws that were up for debate. In total over 20 new laws have been passed and they have become active as of January 1st, 2013. According to CheapestCarInsuranceInCalifornia.com, some of the most significant changes were made to California’s car insurance laws.

Driverless Cars

Senate Bill 1298 addresses the new and controversial phenomenon of self-driving cars. These cars have new technology built into them that permits the cars to drive themselves on roads without guidance from a human driver. While there is still much discussion pertaining to several aspects of these newly introduced autonomous vehicles, the new bill does allow them to be used on public roads. Google lobbied heavily for this law, as they are the pioneers of this new and exciting technology. It’s passage marks an important step towards the continued development and testing of driverless cars.

Reinsuring

The National Association of Insurance Commissioners’ (naic.org) Credit for Reinsurance Model Law was introduced back in 2011, determining the criteria used by insurance commissioners in order to award certification to reinsurers. At the heart of this law insurance companies that are not authorized reinsurers may still be able satisfy the credit for reinsurance standards of their state by posting a reduced collateral. The new Senate Bill 1216 will make the necessary changes to California driving law so that the state is up-to-date pertaining to the changes made by the NAIC law two years ago. California’s version of the law allows certain exceptions pertaining to the ability for a company to receive a credit for reinsurance. This change gives California more control over which companies and reinsurance applications are approved for reinsurance.

Protections for Missed Payments

Besides the Senate Bills, a multitude of Assembly Bills also went into effect. Assembly Bill 1747 offers a reprieve for policyholders when it comes to unpaid insurance premiums. According to the new law, insurance policies must now come with a 60-day grace period where the policyholder can pay the debt owed and still be covered by the policy. Furthermore, the new bill also allows the policyholder to designate additional people that will receive a notice pertaining to the termination of the policy as a result of unpaid premiums.

New Ways to Provide Proof of Auto Insurance

In the past the only way drivers have been able to provide proof of insurance was to show paper documents provided by their insurer. With Assembly Bill 1708, auto insurance companies are now allowed to provide their customers with proof insurance as an electronic document. This enables drivers to keep their proof of insurance on their mobile devices and instructs peace officers that this is a legal and valid proof of insurance.

Protections for Police and Firefighters

Under the Assembly Bill 2298, insurance companies are not allowed to raise a police officer’s or firefighter’s private car insurance policy in response to an accident they were involved in while driving their private vehicle in the call of duty or at the request of their employer. Under these circumstances, the police officer or firefighter will also have no liability regarding loss or injury claims as the result of the accident.

Protections for Drivers with a Commercial License

Assembly Bill 1888 ensures that a driver possessing a commercial driver’s license can take a traffic violator course from a certified traffic violator school to remove points from their license that are a result of a traffic violation while driving a motorcycle, light duty truck or passenger car. The goal of this bill is provide a way for people who drive for a living to avoid the cancelation of their driver’s license resulting from the accumulation of points on their license. Insurers, however, are still allowed to take such offenses into consideration when determining insurance rates for a driver and also for underwriting purposes.

Disclosure of Requests of Compensation

This law is targeted at making public all requests of compensation made by any persons or consumer interest groups. Under it, California’s Department of Insurance must publish all such requests and their findings on their official website.

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What to do if you have an accident at work


Almost any contract of employment that you sign with an employer will state that they have a duty to provide you with a safe, hazard-free working environment. It’s simply their duty as an employer to do so.

Employers have a responsibility to make sure that fumes and noise are kept under control, that all machinery is maintained and tested, that there are adequate first aid supplies to hand, and so on. If conditions like these have not been adhered to, and you have been injured as a result, you have every right to make an accident at work claim.

Reporting the accident

The first step would be to notify your employers that you have been injured at work. Some businesses have an ‘accident book’ where employees record any accidents that occur. If your workplace has no such book, record the details privately.

If it turns out that you’re going to make an injury claim, have some photographs taken of the place where you were injured and try and record all the circumstances that led to you being injured. A disposable camera would do – anything that can get a clear picture.

Next, you’ll want to visit a doctor, even if your injury is not a serious one. This is to obtain a medical record of your injury. If misdiagnosis or malpractice occurs, see a clinical negligence solicitor.

You’re going to need this when approaching your employer, or when you’re working with your solicitor.

Pitfalls

One particularly important step is to make sure that the details of the accident report are 100 per cent true. If you’ve signed a report of the accident that has some factual inaccuracies, you’ll probably lose out on the claim, and will have to pay legal fees without getting compensated for your injury.

Also, obtaining witness statements is particularly important. If there were no witnesses present when the accident occurred, don’t worry; it’s still possible to get your colleagues to be witnesses of the working environment in general, and the hazards associated with it.

Another piece of advice is to act fast – don’t let this slip away unnoticed. You may have a hard time trying to launch legal action if you’ve left it for a while.

In most cases, legal notification has to be given within three years of the accident occurring. However, there may be differences and exceptions to this rule.

Should you feel bad about pursuing a claim?

Absolutely not. As stated above, it is your employer’s duty to make sure that you have a safe working environment. Also, most businesses are under legal obligation to have public liability insurance.

This means that you won’t be putting them in a difficult position. If you’re pursuing an injury claim, the insurance they have will pay out damages.

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Finding the Cheapest Car Insurance in Florida


Florida is a fantastic state to live in, offering its residents warm weather year round, beautiful beaches, vibrant cities, and even Walt Disney World in its backyard. If those qualities weren’t enough, Florida also offers some of the cheapest car insurance in the United States. You might find this surprising since Florida is USA’s second most densely populated state, but the fact remains that Florida is far from the top of the list when it comes to expensive car insurance rates.

Why is there Cheap Car Insurance in Florida?

The main way Florida has managed to bring down its car insurance rates is by requiring that all it’s drivers carry “no fault insurance”. If you are a Florida resident and drive on public roads, you are legally obligated to purchase this very specific type of insurance coverage.

In Florida “No fault insurance” is a type of coverage called Personal Injury Protection (PIP). Under Personal Injury Protection insurance, if you are involved in an accident your insurance company will cover the costs of any injuries to you and/or your passengers, up to the limits of your policy, regardless of whether or not you were the cause of the accident. The only exception is if any of your passengers also own a vehicle, in which case their own Personal Injury Protection insurance would cover their injuries. It’s worth noting that Personal Injury Protection also covers injury to pedestrians and bicyclists, as well as children traveling in school buses.

Because Personal Injury Protection allows insurance companies to pay claims directly and quickly to the victims regardless of who caused the accident, they are able to avoid the additional costs of the litigation processes that are typical when there is the need to decide who was the cause of the accident. By avoiding the issue of who was at fault, insurance companies are able to avoid covering extremely expensive lawyer and court fees. In turn, these savings have been passed down to Florida’s drivers in the form of lower monthly insurance premiums.

Unfortunately, while Florida’s No Fault Insurance has led to noticeably lower auto insurance rates compared to other states, it has also led to an increased rate of car insurance fraud. In fact, car insurance fraud in Florida increased by a shocking 66% between the years 2005 and 2010. This type of fraud involves citizens staging accidents with the intent to collect on property and injury damages from their insurers. These criminal activities have been a huge financial drain to insurance companies and have kept car insurance rates from being even lower than they could be.

However, on May 4 2012 new legislation was signed by Florida’s chief executive, Governor Rick Scott, that brings important changes to Florida’s car insurance system. These changes are designed to decrease car insurance fraud by making it easier for law enforcement agencies to identify staged accidents and by requiring clinics and physicians to be more stringent in their billing practices. If these measures are successful in decreasing insurance fraud, the result will be even more car insurance savings for Florida residents in the years to come.

How to Find the Cheapest Car Insurance in Florida?

Regardless of the fact that Florida has managed to reign in it’s car insurance rates and continues to find ways to decrease it’s average insurance rates, you still may be interested in tracking down the cheapest car insurance in Florida amongst the already cheap rates insurance companies are able to offer. Here are some tips that can help:

1) Decide Your Coverage

The first thing to determine is what kind of coverage you desire. Florida car insurance laws require that you carry a minimum Personal Injury Protection (PIP) of $10,000. In addition you need to carry a minimum Property Damage Liability (PDL) of $10,000. However, if purchasing a policy that only satisfies Florida’s minimum requirements makes you uncomfortable, you may want to raise these limits. This is an especially wise thing to do if you have substantial assets worth protecting. 

If you are interested in even more protection, are two other types of coverage worth considering: Bodily Injury Liability and Physical Damage Coverage. 

• Bodily Injury Liability (BIL) provides additional coverage if you or your family members cause an accident. It is designed to cover the high costs serious injury or death to others as well as legal fees that may arise due to a lawsuit against you.

• Physical Damage Coverage (PDC) provides coverage to your own vehicle in the case it is damaged by an at fault accident.

2) Start Shopping

Once you’ve decided on the types and the levels of coverage you are comfortable with, you can embark on the most effective way to find the absolute cheapest car insurance: shopping around. There are many ways to approach this. One is to call all the insurance companies you can find in your area and get quotes directly from them over the phone. Another method is to use quote comparison websites online to help you organize all of the information you will be gathering. Cheapest Car Insurance in Florida is a good example and an obvious starting point if you are a Florida resident.

Whichever method you choose, your goal should always be to get as many insurance quotes as possible. By doing this you can be confident that by the end of this process, you will have truly found the cheapest car insurance available at the current time of your search.

Keep in mind that an excellent tactic is to even get quotes from insurance companies that you may consider to be unreliable or have lower ratings than others. Because of their less than stellar track records, these companies will often offer you the cheapest premiums to make up for their tainted reputations. Once you secure these legitimate quotes, you can then contact the companies you would prefer be covered by and see if they are willing to match one of the lower quotes you found.

Finding the cheapest car insurance in Florida isn’t the easiest or most exciting thing to do, but if you take the time to do it right, you are guaranteed to reap the rewards for years to come.

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