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Debunking and Simplifying Life Insurance

3 Signs That You May Be Spending Too Much On Your Prescription Medication

Posted by on Aug 17, 2016 in Uncategorized | Comments Off

If you have to take prescription medication, there is a good chance that the cost of your medication is really putting a damper on your budget. Fortunately, there are often ways that you can slash costs on the medications that you need. These are a few signs that you might be spending more on your prescription medication than you should be. 1. You Don’t Have Health Insurance If you still do not have health insurance, you are probably on the hook 100 percent for all of your medications, along with the cost of seeing your physicians. Even...

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Know Your Homeowners Insurance Coverage Exclusions Before Renting Out A Room

Posted by on Jul 28, 2016 in Uncategorized | Comments Off

Exclusions exist in all homeowners insurance policies. Contracts have rules and stipulations. An exclusion clause, essentially, means conditions exist to protect an insurance provider from  paying a claim due to egregious or negligent conduct on the part of a policyholder. Not everyone reads their exclusions carefully. Would-be landlords cannot afford to make this error. Fully understanding a policy’s exclusions is a must for any homeowner planning on renting out a vacant room. Commercial vs. Noncommercial Policies Depending upon...

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Getting Insurance on Your First Car? Two Ways to Avoid Paying an Arm and a Leg

Posted by on Jul 18, 2016 in Uncategorized | Comments Off

In today’s day and age, most states require that you carry auto insurance on your vehicle. Luckily, there isn’t a specific carrier that you have to do business with. You are entitled to shop around and get as many quotes as you would like from as many carriers as possible. This ensures that you are getting the best auto insurance for the least amount of money. If you are getting car insurance for the very first time, things can seem very overwhelming, and you may assume that you should just go with the rate that is...

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Securing Your Rights To Workers’ Compensation Claims In Maryland

Posted by on Jun 3, 2016 in Uncategorized | Comments Off

While there some cases of workers compensation fraud, in which a claimant fakes injury to secure disability payments, there are also cases of employers or insurers who attempt to cheat workers out of compensation for actual injuries. It’s always a good idea to know your rights when you are injured on the job and to prepare for any dispute that may occur should a conflict arise concerning the validity of your claim. When should you report an injury that occurs while you are working? Although you have ten days to report an injury that...

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Which Car Insurance Coverage Do You Need For Your Medical Damages?

Posted by on May 16, 2016 in Uncategorized | Comments Off

Car insurance isn’t just for paying for repairs if your car gets damaged. Depending on the coverage you have, your car insurance may also cater cover your medical bills. After all, millions of people get injured in car crashes every year. Here are some of the forms of coverage you need if you want your car insurance to compensate you for your bodily injuries: Personal Injury Protection Personal injury protection (PIP) coverage is only available in no-fault states. It may be a required or optional coverage depending on your jurisdiction....

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What Can You Do When Wedding Day Disasters Strike?

Posted by on Apr 29, 2016 in Uncategorized | Comments Off

Your wedding day is a big deal and can easily become one of those events your family talks about for years to come. Unfortunately, unforeseen problems at your wedding can take it from a wonderful memory to a cautionary tale whispered behind closed doors in bridal shops. To help you avoid wedding infamy, here are some tips to protect yourself and your wedding from disaster.  Remember That Bedbugs Do Exist Many brides are opting to rent their dresses to save money. Even though this is a good way to save money, it can quickly backfire if...

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3 Items You May Not Have On Your Homeowner’s Insurance Policy: Don’t Take The Risk

Posted by on Apr 14, 2016 in Uncategorized | Comments Off

A lot of people think they only have to tell their homeowner’s insurance provider if they make changes to their home, and they don’t realize that things they have around the property could also affect their coverage and policy needs. If you are currently the owner of a hot tub, trampoline, playground equipment or a pet, and your insurance company doesn’t know about it, you don’t have the right coverage. Here are some important facts to know. Hot Tub Drowning in a hot tub may seem odd since it’s such a small...

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Getting The Most With Your New Insurance Provider

Posted by on Mar 23, 2016 in Uncategorized | Comments Off

Are you shopping for a new car insurance policy and want to be certain that not only are you getting excellent coverage, but are provided with great tools and services to help you take advantage of your insurance coverage? If so, a few factors to keep in mind while shopping should include the following: Mobile Application Features: Having access to a mobile application can be very helpful as this can allow you to obtain the most recent insurance card for your account at all times. Not only will you be able to access your insurance cards, but...

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Questions To Ask Yourself When Considering Purchasing Medicare Supplement Insurance Plans

Posted by on Mar 7, 2016 in Uncategorized | Comments Off

If you have Medicare, you might have noticed that it doesn’t cover everything that you might want. You might find it inconvenient that portions of your treatment are not covered by Medicare and have to be paid out of pocket or that there is no travel insurance. Here are some questions that you should ask yourself when considering Medicare supplement insurance plans to help you decide if paying for one is necessary to keep you well. 1. Are you worried about sixty days of hospitalization being not enough? Medicare A covers up to sixty...

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Tips For Filing A Wrongful Death Lawsuit In California

Posted by on Feb 20, 2016 in Uncategorized | Comments Off

One way to relieve some of your financial stress after the death of a loved one is to file a wrongful death lawsuit. However, not every lawsuit is successful, and you don’t want to end up wasting money on a failed lawsuit. To make matters even more complicated, a wrongful death lawsuit might be strong in one state, but completely unviable in another, due to differences in state laws. Here are some such laws that you would need to deal with if you were to file in California: Parties Who May File California is fairly...

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