Renter's insurance is important and keeping good documentation is key to securing your reimbursement if you need to make a claim.  You can't get reimbursed by your renter's insurance company for things you can't remember or things that had more value than the insurance company thinks it had. The solution is documentation. 

Weekend Insurance Tip: Know How to Get Reimbursed by Your Renter's Insurance Company

originally appeared on About.com Personal Insurance

on Saturday, June 12th, 2010 at 21:43:52.

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 It's Baltimore according to a recently published study by www.insurance.com

. The study found that Baltimore has, "36.5 percent of drivers claiming a prior accident

when receiving a car insurance comparison quote from insurance.com. The port city might not surprise many, but there were plenty of stunners in the Top 10, including Erie, Pa., and Des Moines, Iowa."

"The safest city to set the car on cruise? Yuma, Ariz. at 17.2 percent. And bigger cities like Los Angeles (26.3 percent) and Chicago (26.1 percent) came in at No. 116 and 122 respectively."

What is the Most Dangerous City to Drive in?

originally appeared on About.com Personal Insurance

on Thursday, June 10th, 2010 at 07:04:30.

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 According to The Wall Street Journal

, "Just a few months after passing the comprehensive health-care overhaul, U.S. lawmakers appear willing to risk a short-term backslide in the push to reduce the number of uninsured Americans until the legislation's major provisions take effect in 2014."

"Unless Congress passes an extension retroactively, people who lose their jobs on or after June 1 no longer will receive government financial help to cover 65% of their premium costs for Cobra health coverage

, which lets them continue on their former employer's group health plan."

Government COBRA Help to End

originally appeared on About.com Personal Insurance

on Tuesday, June 8th, 2010 at 10:43:15.

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 Now that you have your insurance policy, do you understand what it means? This is often a problem. Many people go to get their insurance policy and after letting the insurance agent prepare their insurance policy, they just walk out the door without a question. The same thing happens when one gets an online insurance quote and buys an insurance policy online.

Weekend Insurance Tip: Know What You Paid For

originally appeared on About.com Personal Insurance

on Sunday, June 6th, 2010 at 15:11:33.

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There are three options available in the consumer driven health care area of health savings accounts to supplement health insurance coverage. These options include:

1. HSA (Health Savings Account)

2. FSA(Flexible Spending Account)

3. HRA (Health Reimbursement Arrangement)

Which Health Savings Account, or HSA, will Work Best with Your Health Insurance Coverage? There are a lot of factors that will determine which one will work best for you so make sure you take the time to research your options.

Understanding the Three Types of Health Savings Accounts

originally appeared on About.com Personal Insurance

on Friday, June 4th, 2010 at 22:08:16.

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 According to gmacinsurance.com

, "The 2010 GMAC Insurance National Drivers Test released today found that nearly 1 in 5 licensed drivers - roughly 38 million Americans - would not pass a written drivers test exam if taken today. Kansas drivers ranked first in the nation (82.3 percent average score); New York drivers ranked last (70 percent average score)."

Unfortunately the same survey of drivers revealed that distracted driving

is an admitted problem. According to the survey, "drivers conduct a variety of distracting behaviors behind the wheel; approximately 1 in 4 participants admitted to driving while talking on a cell phone, eating and adjusting the radio or selecting songs on an iPod. However, only five percent reported they text while driving. Overall, a significantly higher percentage of females than males reported engaging in the following distracting situations: conversation with passengers, selecting songs on an iPod or CD/adjusting the radio, talking on a cell phone, eating, applying make-up and reading."

Yikes! GMAC Finds 38 Million Drivers Probably Should Not Be Driving

originally appeared on About.com Personal Insurance

on Tuesday, June 1st, 2010 at 20:11:25.

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Whether you are an established family or just starting out, you probably have property that is covered under your insurance. Items like your automobile, furniture, and personal possessions are some of the items that are usually covered under insurance.

If an unfortunate occurrence such as a fire or theft should happen, it is best you have an accurate and detailed inventory of your personal property with a property insurance inventory list.

Weekend Insurance Tip: Know How to Make Your Property Insurance Inventory List

originally appeared on About.com Personal Insurance

on Saturday, May 29th, 2010 at 23:13:58.

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The changing economy can often mean regular job changes. Now, more than anytime in the past, people have more job changes and are regularly doing online career searches. With new job changes comes benefit changes. Sometimes, you may choose to advance your career and get a new job just for a bigger paycheck but you may want to slow down that career search because that new job may not pay off like you expected.

Doing an Online Career Search? Think Insurance First

originally appeared on About.com Personal Insurance

on Friday, May 28th, 2010 at 16:13:33.

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 According to the Insurance Institute for Highway Safety

you should. LSVs or Low Speed Vehicles are becoming more popular than ever but are pushing outside their original intended use.

According to the IIHS, "More states are allowing a relatively new breed of vehicle on public roads, but crash tests by the Insurance Institute for Highway Safety show why the mix of low-speed vehicles (LSVs) or minitrucks and regular traffic is a deadly combination. LSVs are designed for tooling around residential neighborhoods, and minitrucks are for hauling cargo off-road. While these vehicles have a lot of appeal as a way to reduce emissions and cut fuel use, they don't have to meet the basic safety standards that cars and pickups do, and they aren't designed to protect their occupants in crashes."

The IIHS recommends using safety tested but smaller vehicles such as the smart fortwo instead of a LSV. And on the insurance side, a smaller safety tested car instead of a LSV will be more insurance friendly

.

Should You Avoid LSVs?

originally appeared on About.com Personal Insurance

on Wednesday, May 26th, 2010 at 11:44:48.

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