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Tips For Filing A Claim With Auto Owners Insurance

If you’ve been in an accident, you may be wondering how to file a claim with Auto Owners Insurance. Here are some tips to help you get started:

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Gather your paperwork. You’ll need your insurance policy, the police report (if available), and any other documentation you have related to the accident.

Call your agent or the company’s claims department. You’ll need to give them some basic information about the accident, such as when and where it happened and what types of damages were sustained.

Be prepared to answer questions about your coverage. The claims adjuster will want to know what type of coverage you have and how much your policy limits are.

Be honest. It’s important to be honest with the claims adjuster about what happened and what type of damages were sustained. If you try to exaggerate your damages, you may end up delaying your claim or even having it denied.

Keep track of your expenses. You’ll need to keep track of all the expenses you incur as a result of the accident, such as medical bills, car repairs, and lost wages.

Keep a diary. It can be helpful to keep a diary of events related to your accident and your recovery. This can be useful if there are any disputes about what happened or how your injuries have affected your life.

Following these tips can help you file a successful claim with Auto Owners Insurance and get the compensation you deserve. If you have any questions about your coverage or the claims process, be sure to ask your agent or the company’s claims department for help.

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How To Get The Most Out Of Your Car Insurance

It’s no secret that car insurance prices have been on the rise in recent years. In fact, the average cost of a comprehensive policy has increased by almost a third (32%) in the last three years alone, according to the Association of British Insurers (ABI).

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But there are a number of things you can do to help keep the cost of your car insurance down. Here are our top 10 tips:

Shop around

The best way to find cheap car insurance is to shop around. Insurance prices can vary significantly from one provider to the next, so it pays to compare a few different quotes before you buy.

Compare like-for-like

When you’re comparing car insurance quotes, make sure you compare like-for-like cover. It’s no use comparing a comprehensive policy with third-party only cover, for example.

Consider a telematics policy

If you’re a young or inexperienced driver, a telematics policy could be a good option. This type of policy uses a black box fitted to your car to track your driving habits. If you’re a safe driver, you could see a discount on your premium at renewal.

Increase your excess

The excess is the amount you have to pay towards any claims you make. If you’re willing to pay a higher excess, you could see a reduction in your premium.

Look for discounts

Most insurers offer a range of discounts that could help reduce the cost of your cover. For example, many offer discounts for things like having a clean driving record or fitting an approved security device to your car.

Pay annually

If you can afford to, it’s usually cheaper to pay for your car insurance in one lump sum. Many insurers will also give you a discount for paying annually.

Limit your mileage

If you don’t use your car that often, you could see a reduction in your premium by limiting your mileage.

Avoid modifications

Making modifications to your car can result in a higher insurance premium. So, if you’re looking to keep the cost of your cover down, it’s best to avoid making any changes to your car.

Don’t make small claims

If you make a small claim on your car insurance, you could see your premium increase at renewal. So, it’s often best to avoid making a claim if the cost of the repair is less than your excess.

Keep your car in a garage

If you have a garage, you could get a discount on your premium. This is because your car is less likely to be stolen or damaged if it’s kept in a garage.

We hope these tips help you get the most out of your car insurance.

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What Are Your Health Insurance Options After Leaving A Job?

If you’re leaving your job, you may be wondering what will happen to your health insurance. Here are a few things to keep in mind.

If you have a health insurance plan through your employer, you may be able to continue that coverage for a period of time after you leave your job. This is called continuation coverage, and it is required by law in most cases.

There are two main types of continuation coverage:

COBRA: This is a federal law that requires employers to offer continuation coverage to employees and their families for up to 18 months after they leave their job.

Mini-COBRA: This is a state law that requires employers to offer continuation coverage to employees and their families for up to 36 months after they leave their job.

If you’re leaving your job, be sure to ask your employer about your continuation coverage options.

In addition to continuation coverage, you may also be eligible for a special enrollment period. This is a period of time when you can sign up for a new health insurance plan, even if it’s outside of the open enrollment period.

To be eligible for a special enrollment period, you must have had a qualifying event, such as losing your job-based coverage.

If you’re leaving your job, be sure to ask your employer about your health insurance options and whether you’re eligible for a special enrollment period.

If you’re leaving your job, you may be wondering what will happen to your health insurance. Here are a few things to keep in mind:

If you have a health insurance plan through your employer, you may be able to continue that coverage through what’s called COBRA. COBRA is a federal law that allows you to continue your health insurance for a limited time (usually 18 months) after you leave your job.

COBRA can be expensive, though, because you’ll have to pay the entire premium yourself (whereas your employer probably paid part of it when you were working).

If you’re leaving your job to start your own business, you may be able to get health insurance through a professional association.

If you’re not eligible for COBRA and you don’t have a professional association you can join, you’ll probably have to buy your own health insurance.

There are a few different ways to do this. You can buy an individual health insurance policy, which may be more expensive than a group policy but will probably give you more flexibility in terms of what kinds of coverage you can get.

You can also join a health insurance buying group, which is a group of people who band together to get group discounts on health insurance.

Finally, if you’re married, you may be able to get health insurance through your spouse’s employer.

Whatever route you choose, make sure you do your research and compare different health insurance plans before you make a decision.

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