Posts Tagged ‘Coverage’
More States Say Yes to Insurance App: Growing Trend to Allow Drivers to Show Proof of Coverage Electronically
February 28th, 2012
Chicago (PRWEB) February 27, 2012
Have you ever been pulled over in a traffic stop, fumbled through your glove compartment only to find out you dont have your proof of insurance card with you? Now you are stuck with a court date or a fix-it ticket even though you did indeed have insurance. There is a simple solution to this inconvenience: show proof of insurance electronically with your smart phone, says the Property Casualty Insurers Association of America (PCI).
Long before personal computers even existed, states adopted laws and regulations requiring drivers to carry physical insurance identification cards as proof that they had auto insurance. Now, we live in a technology driven world where smart phones are everywhere and people can do just about anything on a phone with the click of a button. In an effort to keep up, policymakers across the country are changing the rules to allow drivers to show proof of insurance electronically.
The Idaho Senate Transportation Committee unanimously approved a measure Thursday (SB 1319) giving drivers the flexibility to show proof of coverage electronically with a smart phone. Similar bills are under consideration in Arizona, California and Mississippi.
As we move into the 21st century, state legislators and regulators are beginning to update laws to recognize the increasing prevalence of technology by allowing insurers to provide policyholders electronic ID cards. That little piece of paper will still count, but it will no longer be the only option motorists have to show they have auto insurance, said Alex Hageli, PCIs director, personal lines policy. Electronic display of proof of insurance will save insurance companies the cost of printing and mailing ID cards to policyholders. It will also save law enforcement and court personnel time and money because they will no longer need to process tickets written to drivers who had coverage but forgot to put that little piece of paper in the car.
All states except New Hampshire and Tennessee require drivers to carry liability insurance to cover other drivers in an accident. A report by the Court Statistics Project shows there were more than 56 million traffic violation cases filed in state courts in one year alone. Drivers had to show proof of insurance coverage at each one of those stops.
Electronic proof of coverage is the wave of the future, said Kenton Brine, PCI assistant vice president. Many policyholders are living green and want to go paperless, but without changing the law insurers are still required to send paper ID cards. Legislation like the measures under consideration in Arizona and Idaho are a win-win situation because insurers and customers retain the flexibility to use paper ID cards or use an electronic device. It is all about having choices.
Nationwide Legislation and Regulations Allowing Electronic Proof of Insurance:
Alabama – Alabama will soon publish a first-of-its-kind regulation allowing motorists to electronically display proof both at registration and during traffic stops starting January 1, 2013.
Arizona This month the House Transportation Committee unanimously approved HB 2677, authored by Representative Dial, legislation which allows motorists to display proof of insurance electronically. The bill awaits a vote on the House floor.
California Assemblyman Gatto introduced AB 1708, legislation allowing insurers to provide proof of insurance to a mobile electronic device.
Colorado An existing Colorado regulation allows motorists to show proof of coverage electronically when they register their vehicles.
Idaho The Senate Transportation Committee unanimously approved SB 1319 on February 23, 2012. The bill will now move to the Senate floor.
This continues to be a dynamic issue across state legislatures, Mississippi and Maryland may also consider legislation to allow electronic proof of coverage in 2012.
PCI is composed of more than 1,000 member companies, representing the broadest cross-section of insurers of any national trade association. PCI members write over $ 180 billion in annual premium, 38.3 percent of the nations property casualty insurance. Member companies write 44.3 percent of the U.S. automobile insurance market, 31.6 percent of the homeowners market, 36.3 percent of the commercial property and liability market, and 42.6 percent of the private workers compensation market.
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How to protect your jewelry with the right insurance coverage
February 15th, 2012
How to protect your jewelry with the right insurance coverage
The majority of standard homeowners', condo, and renters' insurance policies have a limit to the amount of coverage provided for various personal items such as furs or jewelry. Typically, this cap will be somewhere in the range of $ 500 to $ 2500, …
Read more on Live Insurance News
Insure Valuable Valentines Day Gifts, Says PIANJ
Information about getting insurance for those gifts is available from your professional, independent insurance agent says the Professional Insurance Agents of New Jersey Inc. “Homeowners and renters insurance can include coverage for valuable items …
Read more on NJ TODAY
Why say 'I do' to wedding insurance
Without a separate wedding insurance policy, couples can protect select aspects of their wedding through homeowner's or renter's insurance, which often covers wedding gifts and engagement rings. However, some couples are still unaware they can insure …
Read more on USA TODAY
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Bishops Reject Deal on Birth-Control Coverage
February 11th, 2012
Catholic bishops said they wouldn’t support the Obama administration’s proposed compromise on insurance for contraceptives. (Source: WSJ.com: Health)
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White House announcement expected on birth control coverage rule
February 10th, 2012
White House announcement expected on birth control coverage rule
By msnbc.com The White House today said it is "very possible" there will be an announcement Friday to address potential changes in the controversial decision that would require religious-affiliated institutions to provide insurance that includes …
Read more on msnbc.com (blog)
Can Fender Benders Raise Home Insurance Rates?
By Kelli B. Grant A preponderance of fender-benders and speeding tickets could add to some consumers' insurance rates – not just on auto policies, but for a homeowners policy, too. A new Allstate product, House & Home, looks at prospective customers' …
Read more on Smartmoney.com (blog)
Middlesea Insurance launches enhanced Motor and Home insurance products
Middlesea Insurance has launched attractive enhancements to its motor and home insurance products. The Middlesea motor and home insurance policies now include assistance services to deal with emergency situations. This means that these Middlesea …
Read more on Malta Business Weekly
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Moral Hazard or Morality for Health: An Ethical Debate on Insurance Coverage for the Obese
January 30th, 2012
Bariatric Nursing and Surgical Patient Care , Vol. 0, No. 0. (Source: Bariatric Nursing and Surgical Patient Care)
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Californias B.H. Gold Insurance Agency Offers an Interactive Way to Purchase Insurance Coverage Online
January 23rd, 2012
San Diego, CA (PRWEB) January 20, 2012
B.H. Gold Insurance Agency, a locally based insurance agency in California, is proud to announce the launch of its new website and interactive digital marketing campaign, which are focused on improving the way the agency connects with, markets to and serves its neighboring communities.
B.H. Gold Insurance Agency has partnered with Astonish Results, LLC a digital marketing and insurance sales training company that specializes in modernizing the way by which the independent insurance industry does business to create an innovative new online marketing strategy. The agencys new marketing approach features a unique Virtual Insurance Office and interactive Virtual Insurance Agent, which are meant to increase consumer engagement in addition to providing the visitor with a more personalized overall experience. The Astonish Results campaign is also intended to help B.H. Gold Insurance Agency both find and keep new, prospective clients while continuing to broaden the agencys reach across the region.
The agencys restructured website, http://www.bhgold.com/, was created to make the online insurance shopping experience much more educational and personalized. The site is divided into distinct categories, making it as easy as possible for California insurance shoppers to find exactly the type of insurance products they are looking for and better yet, allows the visitor to take a much more proactive approach to understanding his or her policy options.
The priority at B.H. Gold Insurance Agency is to match clients with the most comprehensive California insurance package that caters to their unique needs. The agency offers various lines of personal and California commercial insurance policies. Regardless of prospective clients age and occupation, the agents of B.H. Gold Insurance Agency have them covered.
B.H. Gold Insurance Agency provides current and prospective clients with multiple means of contacting the agency and its licensed agents. Fill out a free quote form online, get social with the agents directly on the sites homepage, as well as on various social media sites, or just give them a call at (888) 699-4301. B.H. Gold Insurance Agency wants to make the insurance shopping process as straightforward as possible and enjoyable, too! The agency is thrilled to move forward with the initiation of its refreshing new digital marketing strategy and has high expectations for the ease it will bring to its California customers.
About B.H. Gold Insurance Agency:
Established in 1986, B.H. Gold Insurance Agency is one of the nation’s leading insurance agencies. Customer care is the agencys primary focus, as the team of professional agents helps clients meet their insurance needs in 34 states throughout the country. B.H. Gold Insurance Agency specializes in many types of insurance including home, auto, business, workers compensation and life insurance. The agency is independently owned and a technology leader in its industry, offering clients consistently efficient service.
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Tags: Agency, B.H., California's, Coverage, Gold, Insurance, Interactive, Offers, online, purchase | 
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Philadelphia Insurance Adds Coverage for Sleep Centers and Laboratories
January 18th, 2012
Bala Cynwyd, PA (PRWEB) January 18, 2012
Philadelphia Insurance Companies (PHLY) now offers insurance coverage for Sleep Centers and Laboratories. A Sleep Center is a laboratory or other clinical facility equipped to diagnose and treat sleep disorders. There are more than 80 identified sleep disorders and research shows the U.S. population is widely impacted by these disorders.
An estimated 50 to 70 million U.S. adults have sleep disorders according to the Centers for Disease Control and Prevention. Sleep disorders include insomnia, sleep apnea, narcolepsy, and restless leg syndrome. Results from a September 2011 study published in the journal Sleep, estimate that insomnia costs the U.S. economy more than $ 63 million each year. In addition to impacting worker productivity, sleep disorders also increase health care costs for treatment and can lead to serious health problems.
Weve identified this market as a growing industry due to improved diagnosis and treatments to help people affected by sleep disorders, commented Eric Martinson, Underwriting Manager for Philadelphia Insurance. Providing insurance for sleep centers and labs is a natural fit and complement to many of the coverages we already provide under our Human Services division.
PHLYs comprehensive coverage includes General and Professional Liability as well as Property insurance for independently owned and operated centers. Coverage is not available for centers owned by or affiliated with hospitals, universities or nursing homes.
About Philadelphia Insurance
Philadelphia Insurance Companies designs, markets, and underwrites commercial property/casualty and professional liability insurance products incorporating value added coverages and services for select industries. In operation since 1962, the Company, whose commercial lines insurance subsidiaries are rated A++ (Superior) by A.M. Best Company and AA- for counterparty credit and financial strength by Standard & Poors, is nationally recognized as a member of Ward’s Top 50 and National Underwriters Top 100 (for in-depth financial information, please visit our website at http://www.phly.com). The organization has 46 offices strategically located across the United States to provide superior service.
Philadelphia Insurance Companies is the marketing name for the property casualty insurance operations of Philadelphia Consolidated Holding Corp., a Member of the Tokio Marine Group. In the United States, all products are written by insurance company subsidiaries of Philadelphia Consolidated Holding Corp. Coverage may not be available in all jurisdictions and is subject to actual policy language. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Non-insurance products and services may be provided by independent third parties.
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Motor vehicle insurance rating with pseudo emissions coverage [An article from: Ecological Economics]
January 10th, 2012
Motor vehicle insurance rating with pseudo emissions coverage [An article from: Ecological Economics]
This digital document is a journal article from Ecological Economics, published by Elsevier in 2006. The article is delivered in HTML format and is available in your Amazon.com Media Library immediately after purchase. You can view it with any web browser.
Description:
There is general agreement amongst economists and ecologists that transportation is an important contributor to greenhouse gas emissions. Typical proposals to reduce the demand for transportation, and consequently emissions, focus on imposing a fuel tax or a direct fee on vehicles. This paper outlines the method and advantages of treating the environmental risk as additional pseudo coverage rated under existing property and liability motor vehicle insurance systems.
List Price: $ 10.95
Price: $ 10.95
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Renter’s Insurance: How to Get the Best Coverage for the Cheapest Price When Someone Else Owns the Place Where You Live
December 31st, 2011
Renter’s Insurance: How to Get the Best Coverage for the Cheapest Price When Someone Else Owns the Place Where You Live
How renters can buy effective insurance that works when they need it. This 9th book in Silver Lake’s Insurance Series includes • an analysis of standard insurance policy forms • case studies of problems and solutions • interviews with industry insiders about how this special coverage works
Most insurance that’s advertised to protect the place you live and the stuff inside is aimed at home owners. But more than half of all Americans rent their apartments or homes and they’re an underserved market– both for insurance and for information about it.
List Price: $ 11.95
Price: $ 2.99
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Americal Insurance Offers an Interactive Way to Purchase Insurance Coverage Online
December 27th, 2011
Sherman Oaks, California (PRWEB) December 16, 2011
Americal Insurance, a locally based insurance agency in Sherman Oaks, California, is proud to announce the launch of its new website and interactive digital marketing campaign focused on improving the way the agency connects with, markets to and serves its neighboring communities.
Americal Insurance has recently partnered with Astonish Results, LP a digital marketing and training company that specializes in modernizing the way by which the independent insurance industry does business to create an innovative new online marketing strategy. The agencys new marketing approach features a unique Virtual Insurance Office and interactive Virtual Insurance Agent, which are meant to increase consumer engagement in addition to providing the visitor with a more personalized overall experience. The Astonish Results campaign is also intended to help Americal Insurance both find and keep new, prospective clients while continuing to broaden the agencys reach across the Southern California region.
The agencys restructured website, http://www.americalinsurance.com/, was created to make the online insurance shopping experience much more educational and personalized. The site is divided into distinct categories, making it as easy as possible for California insurance shoppers to find exactly the type of insurance products they are looking for and better yet, allows the visitor to take a much more proactive approach to understanding his or her policy options.
Whether individuals are looking to prepare for the unpredictable with California earthquake insurance or are seeking comprehensive, yet affordable auto insurance in California, Americal Insurance has them covered! Regardless of what a customers needs may be, Americal Insurance provides current and prospective clients with multiple means of contacting the agency. Fill out a free quote form online, get social with the agencys experts on various social media sites or simply give them a call at (800) 785-8192. Americal Insurance wants to make the insurance shopping process as straightforward as possible and enjoyable, too! The agency is thrilled to move forward with the initiation of its refreshing, new digital marketing strategy and has high expectations for the ease it will bring to its California customers.
About Americal Insurance:
Founded in 1959 by Philip Hadad, who was then joined by his son Michael Hadad Sr. in 1969, Americal Insurance has continued its growth and success by the leadership and work ethic of both of these individuals. Now just recently in 2007, Michael Hadad Jr. has joined the Americal Insurance Team to make 3 generations of impeccable service and experience. The staff at Americal Insurance is experienced in providing service above and beyond clients expectations and serves the insurance needs of thousands of individuals and families. There are clients who have been with Americal for more than 30 years, which speaks to the agencys expertise and commitment to its clients, employees, community and the insurance companies they represent.
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