A Lot of Insurance Quotes

In many cases after an auto accident, the person involved will file a claim immediately to cover the damage of the car.  But in some cases people will try to settle without getting their insurance company involved.  This may not always be the best decision.   Perhaps someone doesn’t pay when they say they will, or you find that there are medical complications due to the accident that weren’t immediately apparent.  When this happens, many people will then turn to their insurance agency to be compensated.  The question then comes up, “How long do I have after an accident to file a claim?”  For medical issues, the state of California requires that your claim be made within 2 years of the incident.  If you are trying to be compensated for damage to your vehicle, you have 3 years (for more information, click here). 

While this is the case in the state of California, you should always review your insurance policy to be certain.  This information is usually contained in a section titled “Duties After an Accident or Loss”.  For example, if your vehicle is stolen you typically have a duty to file a police report immediately and contact your insurance company within 30 days.

To make filing a claim a bit less stressful, it is a good idea to gather information just after the accident.  Make notes and take pictures if possible.  Also, if there are medical complications, it is important to save all of the documentation.

For more information please see www.aisinsurance.com

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms a

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When it comes to pre-existing conditions in travel insurance, people may get confused about some of the terms and conditions. This is partly because every company has different rules on the issue of pre-existing conditions. Since there is also no standard guideline or time frame, travelers have to be extra careful to find the best coverage.

To put it simply, any illness from the simplest cold to the most serious cancer is considered a pre-existing condition by an insurance company. Here are some more concrete guidelines. If you have symptoms of a certain illness before you obtained the insurance, it’s considered a pre-existing condition. Along the same vein, any illness treated before you got the policy is also considered a pre-existing condition. W

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As with everything, there’s an art to buying long-haul air tickets. Buy too cheaply and you may face a long or unnecessary stopover. Choose the wrong airline and you could spend hours sitting in uncomfortable seats with restricted legroom. But a little time spent comparing the options will pay off. Here’s what to look for:

Compare prices
Ask a specialist agent for the cheapest economy fare to your destination and compare it with the national carrier for each route and main UK airlines such as British Airways and Virgin.

Compare flight times
The cheapest fares usually involve a detour or change of plane. Read full post…

Over one million holidaymakers who have made early holiday bookings this year have not taken out travel insurance, according to findings from Sainsburys Finance .

The research found that 1.14 million holidaymakers who have already booked their holidays for this year have shunned travel insurance and worryingly, have no intention of purchasing any travel cover .

Joanne Mallon, travel insurance manager at Sainsbury’s Finance, said: “Anyone travelling abroad on holiday should ensure they have good quality insurance. It’s easy to forget to buy travel insurance during the excitement of booking your holiday, but cover that will provide assistance when abroad and for cancellations should you fall ill before your trip for example, really is as essential as your passport .”

The study also revealed a reduction in the number of people who have made early bookings this year. A Read full post…

The British Insurance Brokers Association (BIBA) has welcomed the announcement from the Government that they will compensate British victims of terrorism abroad .

Graeme Trudgill, BIBA’s Technical and Corporate Affairs Executive, said: “We have been liaising with victim’s families since 2004 and are delighted that the Government has finally committed themselves to this important change. We are also very pleased that many travel insurers, over the last four years, have agreed to include terrorism cover in their travel insurance policy wordings.”

Mr Trudgill added it is estimated that about a third of policies still do not have any terrorism protection at all and BIBA is urging insurers to include this cover as soon as possible because travellers will rely on their insurer helping them if they are caught in a terrorism incident abroad.

According to Peter Staddon, BIBA head of Technical Services, this scheme is not a replacement for travel insurance, it is purely after the event compensation . Read full post…