Insurance Offers – 4 Walls And A View http://4wallsandaview.com/ Tue, 07 Sep 2021 04:36:29 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://4wallsandaview.com/wp-content/uploads/2021/06/icon-5.png Insurance Offers – 4 Walls And A View http://4wallsandaview.com/ 32 32 Insurance Commissioner offers advice on Ida’s recovery https://4wallsandaview.com/insurance-commissioner-offers-advice-on-idas-recovery/ https://4wallsandaview.com/insurance-commissioner-offers-advice-on-idas-recovery/#respond Tue, 07 Sep 2021 03:44:37 +0000 https://4wallsandaview.com/insurance-commissioner-offers-advice-on-idas-recovery/ Blakland Matherne opens a door to what would have led to an indoor store, but is now outside after the roof was blown, in his hurricane-destroyed business in the aftermath of Hurricane Ida on Monday 6 September 2021, in Lockport, La (AP Photo / John Locher) BATON ROUGE – From the Louisiana Department of Insurance: […]]]>
Blakland Matherne opens a door to what would have led to an indoor store, but is now outside after the roof was blown, in his hurricane-destroyed business in the aftermath of Hurricane Ida on Monday 6 September 2021, in Lockport, La (AP Photo / John Locher)

BATON ROUGE – From the Louisiana Department of Insurance:

As Louisiana families search for ways to return home and assess the damage after Hurricane Ida, Insurance Commissioner Jim Donelon advises residents to be vigilant while inspecting damage to their homes and homes. their businesses and offers advice to begin the recovery process.

Hurricane Ida hit the Louisiana coast on Sunday with winds of 150 mph as it made landfall in Port Fourchon and Galliano. The storm maintained its strength as it tore a path between Baton Rouge and New Orleans, causing extensive damage inland. A modeling company estimates insured losses at $ 18 billion. Another company estimates insured losses between $ 14 billion and $ 31 billion.

“Hurricane Ida was one of the most severe storms to ever hit our state. These massive damage estimates mean that many Louisiana families will have to file insurance claims, ”Commissioner Donelon said. “Please be careful when checking your homes and businesses for storm damage. Many injuries occur after the storm itself has passed. And know that the Louisiana Department of Insurance will be there for you as you begin the recovery process. “

The Louisiana Department of Insurance offers the following tips for preparing to file a claim:

  • Contact your insurance agent or company as soon as possible. Have your policy handy and find out if damage is covered under your policy terms and how to file a claim. The sooner you file a claim, the sooner you line up for an adjuster and, ultimately, a contractor. If you are having trouble with this process, you can contact the Insurance Department at 1-800-259-5300 for assistance.
  • Minimize your losses and document the damage. Take photos of any damage, then make any reasonable temporary repairs needed and keep your receipts for those repairs. The US Army Corps of Engineers has now begun its Operation Blue Roof program in 13 parishes badly hit by the storm and can tarp your house for free.
  • Keep in mind that flooding is generally not covered by standard homeowner and tenant insurance policies. Flood insurance is a separate policy from the FEMA National Flood Insurance Program and some private insurers. If the wind or a falling tree has damaged your home and let in rain, this is usually covered by home insurance. Rising water levels – floods – are covered by flood insurance. Talk to your agent to find out which insurance policy can cover your losses.
  • Keep your receipts. If you can’t stay in your home due to storm damage, keep your receipts for accommodation, food, and essentials. Your policy may cover some of the costs during your temporary move.
  • Ask all agents, adjusters or contractors for identification. Do not sign any repair contracts until you have received instruction from your adjuster and verified the license, insurance and reputation of any contractor you wish to hire.

The Insurance Department can be contacted at 1-800-259-5300 for those who need help finding their insurer’s contact information or have questions about the claims process.

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Does Your Degree Affect Your Auto Insurance Premiums? https://4wallsandaview.com/does-your-degree-affect-your-auto-insurance-premiums/ https://4wallsandaview.com/does-your-degree-affect-your-auto-insurance-premiums/#respond Sat, 04 Sep 2021 16:00:16 +0000 https://4wallsandaview.com/does-your-degree-affect-your-auto-insurance-premiums/ There are many factors that affect how much a driver will end up paying for their auto insurance. Some of them are obvious, like the driver’s driving record. But there are also some things that most people wouldn’t necessarily assume would affect the price of their auto insurance. An example is the level of education. […]]]>

There are many factors that affect how much a driver will end up paying for their auto insurance. Some of them are obvious, like the driver’s driving record. But there are also some things that most people wouldn’t necessarily assume would affect the price of their auto insurance.

An example is the level of education.

Specifically, people with a bachelor’s degree generally end up paying less for their auto insurance than drivers with only a high school diploma. And the cost difference may surprise you.

What is the impact of a degree on auto insurance costs?

According to data from The Ascent, the national average auto insurance premium for drivers with a bachelor’s degree is $ 2,168 per year. That’s $ 478 cheaper than the overall national average for all drivers, which is $ 2,646.

This gap may seem large, but it is paltry compared to the specific cost difference that a driver with a four-year degree will pay versus someone with only a high school diploma. The national average auto insurance premium for a motorist with a high school diploma is $ 5,988. That’s $ 3,820 more than what someone with a bachelor’s degree would pay, more than double the cost.

There are a lot of potential explanations for this. One reason is that many teens and young drivers don’t yet have a bachelor’s degree but still need car insurance.

Insurers have also determined that people with only high school diplomas tend to have a higher overall collision risk, and the price of insurance is based on the likelihood of an accident occurring.

What can drivers do to reduce costs?

It may seem unfair to those without a degree that they are forced to pay higher auto insurance rates, but unfortunately there is little that an individual driver can do to change the settings that insurers take. taken into account when setting prices.

However, every driver can take steps to keep their premiums as low as possible, regardless of their level of education. These include things like:

It doesn’t make sense for a motorist to try and get a college degree just to lower their auto insurance premiums. But for those who have not had a higher education, it is even more important to take these other steps to try to find an insurer who does not place as much importance on education in the risk assessment.

By taking the time to find the right insurance provider, drivers with less than high school education can still find affordable auto insurance rates to protect their personal finances when they’re on the road.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Auto insurance must evolve in line with new ownership concepts https://4wallsandaview.com/auto-insurance-must-evolve-in-line-with-new-ownership-concepts/ https://4wallsandaview.com/auto-insurance-must-evolve-in-line-with-new-ownership-concepts/#respond Fri, 03 Sep 2021 06:03:52 +0000 https://4wallsandaview.com/auto-insurance-must-evolve-in-line-with-new-ownership-concepts/ Ownership of a car as we know it is over, writes Darius Kumana. It’s time to transform traditional auto insurance The language we use around cars and the use of cars is quickly becoming obsolete as the industry goes through one of its biggest transformations since the introduction of the Ford Model T. The phrase […]]]>

Ownership of a car as we know it is over, writes Darius Kumana. It’s time to transform traditional auto insurance

The language we use around cars and the use of cars is quickly becoming obsolete as the industry goes through one of its biggest transformations since the introduction of the Ford Model T. The phrase “go to a dealership for buying a car ”contains two anachronisms in itself. Today, very few people “buy” a car in the traditional sense. According to the Finance and Leasing Association, last year in the UK 93% of new car deals with individuals were financed.

Also, the word “dealer” assumes that you are going there to make a deal, that is, to haggle for the best price. However, car manufacturers are increasingly turning to direct sales. In this model, initially rolled out for electric cars by brands such as Volkswagen, the automakers themselves sell, either through their “agents”, what we previously knew as dealers, or online. The idea is that this gives the customer a much wider range of options for getting into a car, none of which require haggling skills.

Ford is known for making cars cheaper through its repeatable manufacturing process. However, it was General Motors’ innovation – allowing cars to be bought on financing – that really opened up the accessibility of cars to the masses. Right now, there is another radical change in the way the services that constitute mobility are delivered, paid for and bundled. Personal mobility turns into something you can access on demand.

Many customers have not measured their automotive needs for years. Rather, they want the same flexibility they find in other digital subscriptions, like Netflix or HelloFresh.

The change is happening because automotive brands realize that many customers have not measured their automotive needs for years. Rather, they want the same flexibility they find in other digital subscriptions, like Netflix or HelloFresh. This flexibility applies not only to the car itself, but to everything related to the automobile, including services offered in the car and those related to “ownership”, such as insurance.

With game-changing newcomers like Tesla, incumbent brands must now react to changing customer needs or risk losing their competitive edge. The rich heritage of brands like Land Rover, BMW, Ford or Renault now needs to be complemented by delivering a much more digital experience that seeks to remove many pinch points within traditional ownership.

Auto insurance is one of those pinch points as it exists today. On the one hand, it is generally different from the process of acquiring a new car. This is something that customers usually buy reluctantly after the transaction and before delivery. The process forces them to guess their next year, whether it’s mileage driven, type of driving (business, personal, or both) or even employment status.

In a more flexible future, however, this will become more integrated into the transaction process. Instead, as the order screen asks, “Would you like some fries with that?” This will become a check box. And you don’t have to guess your automotive future or make general assumptions about your driving. He will know while you are driving.

Porsche Passport allows members to use up to 22 model variants on demand

Change is facilitated by connectivity. The ability to interrogate cars with their sensors after they leave the showroom allows car manufacturers and service providers to extract data and interpret it for the benefit of the customer. Connectivity and digital interaction also allow this new flexibility in the world of automobile “ownership”. The subscription model offered by Porsche, Volvo and Jaguar Land Rover allows customers to change cars faster than traditional financing allows. This forces automakers and other business entities to remotely monitor the fleet.

If the first driver of a new Range Rover decides it’s time to upgrade to an even newer model six months after their subscription starts, the company that ultimately owns the car will need to reassign it to the next customer, by letting it go. watching closely from a distance. for total mileage and signs of excessive wear.

The same is true for insurance. The subscriber will not be happy to learn that the flexibility to change vehicles offered by his car brand entails policy modification costs on the part of his insurer because the subscriptions do not correspond to the latter’s economic model. Insured drivers should be able to update their policy seamlessly, either automatically or with a few clicks on an app, as if they were doing everything else

What if the next vehicle isn’t even a car? The Swapfiets micro-mobility subscription service in the Netherlands offers, for example, bicycles and e-bikes, while e-scooters and cargo bikes are also becoming car substitutes for certain journeys. Insurance will need to follow this trend and allow people to trade hassle-free.

Another interesting challenge for insurers is the shift to autonomous driving. If they are not integrated into the process when the customer gets in the car, whether it is for an afternoon or for six months, then the separation of the autonomous function is going to be very difficult.

Volkswagen has talked about offering autonomous functions in customers’ cars as a pay-as-you-go service in the future.

This is because autonomy will be a choice made by the driver, at least initially. Volkswagen has talked about offering autonomous functions in customers’ cars as a pay-as-you-go service in the future. He plans to charge around € 7 (US $ 8.30) to have his hands free, for example on a long trip on vacation. If this option is triggered, insurance should adapt instantly, and again transparently. In the future, it could be that, rather than the exception, range is the norm and insurance has to adapt if you plan to take control on an interesting stretch of road.

This scenario immediately gives the advantage to brands offering integrated insurance. Whoever calculates the effect of the driver’s decision making on his risk status in real time is also going to offer the customer the best price because he will know everything. If something goes wrong, data from the car’s sensors will quickly determine what needs to be fixed and when, and provide a reliable estimate of the cost, even automating the ordering and delivery of necessary parts.

Business models are even harder to change than language when it comes to the automotive industry, an industry that has traditionally been slow to respond to change. The current transition to electric, connected, autonomous and flexible property is happening at such speed, however, that traditional brands will struggle to adapt without embedding experiences much deeper into the customer journey.


About the author: Darius Kumana is Chief Product Officer at WRISK

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MississippiCare Oversees Contextual Vaccination Site and Provides Quality Care in Oxford – The Oxford Eagle https://4wallsandaview.com/mississippicare-oversees-contextual-vaccination-site-and-provides-quality-care-in-oxford-the-oxford-eagle/ https://4wallsandaview.com/mississippicare-oversees-contextual-vaccination-site-and-provides-quality-care-in-oxford-the-oxford-eagle/#respond Wed, 01 Sep 2021 20:20:26 +0000 https://4wallsandaview.com/mississippicare-oversees-contextual-vaccination-site-and-provides-quality-care-in-oxford-the-oxford-eagle/ MississippiCare of Oxford is overseeing a pop-up vaccination site at Larson’s CashSaver from 7:30 a.m. to 11 a.m. on Friday, September 3. MississippiCare said on Wednesday they would only administer the Moderna vaccine and only the initial and secondary doses; no reminder will be administered at this time. Oxford’s MississippiCare and Pontotoc doctor Dr Terri […]]]>

MississippiCare of Oxford is overseeing a pop-up vaccination site at Larson’s CashSaver from 7:30 a.m. to 11 a.m. on Friday, September 3.

MississippiCare said on Wednesday they would only administer the Moderna vaccine and only the initial and secondary doses; no reminder will be administered at this time.

Oxford’s MississippiCare and Pontotoc doctor Dr Terri Teague said Tuesday’s pop-up vaccination site at the Old Armory Pavilion was a great example of the community, especially medical professionals, working together to fight COVID.

“Ole Miss had a lot of students to test and they were full.” she said. “So some of the other clinics in Oxford were trying to help and we ended up seeing some of these patients yesterday. Of course, it was upsetting, but it was nice to see us come together as a community and do what needed to be done. “

The most recent wave of COVID-19 cases has strained Mississippi’s healthcare system, and healthcare providers statewide are feeling fatigue.

Teague is hoping that the maximum number of cases and hospitalizations has been reached or will peak soon, so that the healthcare system can recover from the immense pressure it is under.

“We are seeing a considerable increase in the volume [of COVID patients] in addition to caring for our regular patients with chronic illnesses, ”said Teague. “We probably have 10 to 15 walk-in visits per day at each clinic. “

Teague was worried about the kids going back to school for the fall. She said Mississippi Care has seen children come in for testing, but luckily all of them had mild symptoms or were asymptomatic.

For the week of August 22, the Lafayette County School District reported that approximately 4 staff members test positive for COVID, 55 students test COVID positive, 616 students and 11 teachers are quarantined.

In the same week, the Oxford School District reported that at least 2 teachers were infected with COVID-19, around 40 student cases of COVID-19, 260 students and around 20 staff are quarantined.

Echoing many other health officials and doctors, Teague advises the public to wear masks and get vaccinated, but she also addresses concerns that may prevent some people from seeking a vaccine. The solution to their worries is to go to a professional.

“I think the most important thing people can do is ask their doctor if there is any confusion,” Teague said. “Please talk to your family doctor or other doctor, for example having a conversation with your neighbor if she is a nurse practitioner. I think most medical professionals would be willing to clear up the misinformation. “

MississippiCare is a federally licensed health center, which means community health care providers receive funding from the HRSA Health Center program to provide primary care services in underserved areas.

MississippiCare accepts all forms of insurance and care for uninsured patients.

“We just want to help people get through the pandemic,” Teague said. “We would love to have the chance to help and offer all of our services to the community.

MississippiCare is a non-profit organization with offices in Oxford and Pontotoc. A list of services they offer include general and family care; behavioral health medicine; chronic care; prenatal and geriatric to name a few.

For more information about MississippiCare, the contextual immunization site, or the services they offer, visit www.arcare.net or call 662-234-6553.

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California on the wrong track on fire insurance – Daily Bulletin https://4wallsandaview.com/california-on-the-wrong-track-on-fire-insurance-daily-bulletin/ https://4wallsandaview.com/california-on-the-wrong-track-on-fire-insurance-daily-bulletin/#respond Sat, 28 Aug 2021 18:08:19 +0000 https://4wallsandaview.com/california-on-the-wrong-track-on-fire-insurance-daily-bulletin/ As wildfires rage across northern California, homeowners rightly fear losing fire insurance and being forced to rely on the state’s insurer of last resort policies, known as the California FAIR Plan. In these situations, they are faced with dramatic increases in their premiums from a state-created system that offers barebone coverage. To alleviate their problems, […]]]>

As wildfires rage across northern California, homeowners rightly fear losing fire insurance and being forced to rely on the state’s insurer of last resort policies, known as the California FAIR Plan. In these situations, they are faced with dramatic increases in their premiums from a state-created system that offers barebone coverage.

To alleviate their problems, Insurance Commissioner Ricardo Lara last week banned insurance companies from not renewing fire insurance policies for homeowners living near the state’s two largest wildfires. This policy can be understood as a palliative, but the Commissioner is increasingly relying on this emergency approach.

“This is the third year in a row that Lara has enforced the year-long ban on non-renewals,” the Sacramento Bee reported, noting that “last year it issued a moratorium covering 2.4 million policymakers “. This is a politically popular move, but one that jeopardizes the long-term health of the insurance industry and discourages insurers from writing new policies.

Insurers must manage their risks and major forest fires can threaten the solvency of these companies. Good policy is to encourage insurers to buy more policies, but Lara opposed legislation (Assembly Bill 2167) by Assembly Member Tom Daly, D-Anaheim, which allegedly encouraged insurers to voluntarily offer policies. policies in high-risk areas by offering higher exchange rates. to ensure coverage.

This legislation died last year, but its supporters have recognized the need to create market incentives within the confines of Proposition 103. Approved by voters in 1988, it gives the commissioner the power to approve increases in the market. rate and mandate rate cuts. This discourages companies from offering riskier policies by limiting their ability to price them to reflect their risk.

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2021 Best Cheap Auto Insurance in New York City https://4wallsandaview.com/2021-best-cheap-auto-insurance-in-new-york-city/ https://4wallsandaview.com/2021-best-cheap-auto-insurance-in-new-york-city/#respond Wed, 25 Aug 2021 10:00:35 +0000 https://4wallsandaview.com/2021-best-cheap-auto-insurance-in-new-york-city/ Like most states, New York City requires all drivers to purchase auto insurance. However, if finances are tight, it can be difficult to find affordable auto insurance in New York City. On this page, drivers ask, “How much does auto insurance cost in New York?” can find answers. The cheapest for typical drivers: Geico The […]]]>

Like most states, New York City requires all drivers to purchase auto insurance. However, if finances are tight, it can be difficult to find affordable auto insurance in New York City. On this page, drivers ask, “How much does auto insurance cost in New York?” can find answers.

  • The cheapest for typical drivers: Geico
  • The cheapest for young drivers: Chubb Insurance
  • The cheapest for seniors: Geico
  • The cheapest for drivers with a speeding ticket: Geico
  • The cheapest for drivers looking for minimum coverage: Geico

The cheapest for typical drivers

Geico is the big winner in the cheapest auto insurance in New York, with an average annual rate of $ 1,876

Other competing carriers include:

  • Erie, with a rate of $ 2,272
  • State Farm, with a rate of $ 2,435
  • Allstate, with a rate of $ 2,453

The cheapest for young drivers

The best auto insurance in New York for teens and young drivers is Chubb. Chubb will cover a new teen driver for $ 4,713 per year (or $ 393 per month). While their rate is certainly not cheap, it is much lower than most other carriers. Often the cost of coverage is based on whether a teenager is in school, has good grades, and has taken a driving course.

The finalists for low cost auto insurance for teens include:

  • Geico, with a rate of $ 5,308
  • State Farm, offering an average rate of $ 5,615

The cheapest for seniors

Geico is once again one of the best auto insurance companies in New York. People aged 65 and over looking for cheap auto insurance in New York City can expect to pay around $ 1,428 per year for a Geico policy.

Other contenders include:

  • Erie Insurance, with a rate of $ 2,125
  • State Farm, with an average annual rate of $ 2,151

The cheapest for drivers with a speeding ticket

Drivers with a history of traffic tickets can be hit hard by some insurers, but this is not the case with Geico. At $ 2,251, Geico remains competitive.

Other insurance companies worth exploring are:

  • Erie, with an average rate of $ 2,777
  • Allstate, with a rate of $ 2,884

Cheaper for drivers looking for minimal coverage

If you are a New York driver looking for just enough coverage to allow you to drive legally, a minimum coverage policy is available from Geico for $ 537 per year.

The finalists include:

  • Erie, with a rate of $ 1,064
  • Chubb, with an annual rate of $ 1,107

Average cost of auto insurance in New York compared to national average

At $ 3,909, auto insurance rates in New York are nearly 48% higher than the national average of $ 2,646.

Why this average rate does not say everything

How much a particular driver will pay depends largely on the level of coverage they seek and the amount of deductible they are willing to pay in the event of a loss.

Auto Insurance Laws in New York

The laws on auto insurance in New York are strict. Driving without insurance can cost up to $ 1,500, plus an additional $ 750 at the DMV to collect your license after it is revoked. Drivers who continue to drive without coverage can end up in jail.

New York minimum coverage requirements

Drivers looking to meet New York’s minimum auto insurance requirements should purchase liability coverage of at least:

  • $ 10,000 for property damage for a single accident
  • $ 25,000 for bodily injuries and $ 50,000 for the death of a person involved in an accident
  • $ 50,000 for bodily injuries and $ 100,000 for the death of two or more people in an accident

Finding cheap liability insurance in New York City may require a bit of shopping. The good news is that it’s available for those who watch.

How to get cheap auto insurance in New York

Finding cheap auto insurance in New York (or elsewhere) involves taking the time to shop around and get several auto insurance quotes. It is not enough to check a few insurers. Rates vary wildly, and for most people, an insurer offers enough discounts to get to the top of the list.

The ideal policy

Once a driver has gathered New York auto insurance quotes from the best auto insurance companies, it is important to compare them side by side. The best policy is usually the one that offers the highest level of coverage at the lowest price.

Take advantage of discounts

It’s easy to look at average policy rates and assume that all drivers pay roughly the same. Averages are just that, however. They take into account the most expensive and the cheapest policies. A driver who qualifies for discounts on auto insurance (such as a safe driver and bundling) can snag rates at the lower end.

New York law requires that drivers who take a defensive driving course (and send their certificate of completion to their insurance company) receive a 10% discount on collision and liability coverage for three years.

Other things to consider when looking for auto insurance in New York

Despite above-average premiums, New York City has the second-lowest uninsured rate in the United States. While it’s impossible to know exactly why, the hefty penalties for driving without insurance may help explain why 94% of New Yorkers buy insurance before they fall behind. driving a car.

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Automated insurance advice launched by CloudAdvisors with Professional Plus https://4wallsandaview.com/automated-insurance-advice-launched-by-cloudadvisors-with-professional-plus/ https://4wallsandaview.com/automated-insurance-advice-launched-by-cloudadvisors-with-professional-plus/#respond Mon, 23 Aug 2021 14:00:00 +0000 https://4wallsandaview.com/automated-insurance-advice-launched-by-cloudadvisors-with-professional-plus/ VANCOUVER, BC, 23 Aug 2021 / CNW / – CloudAdvisors, from Canada Employee Benefits Marketplace, successfully launched Professional Plus and MGA Plus for the Canadian insurance industry. Professional Plus offers advisors a fully personalized and automated experience for their clients. MGA Plus allows corporate clients to automate and scale their business in the same way […]]]>

VANCOUVER, BC, 23 Aug 2021 / CNW / – CloudAdvisors, from Canada Employee Benefits Marketplace, successfully launched Professional Plus and MGA Plus for the Canadian insurance industry. Professional Plus offers advisors a fully personalized and automated experience for their clients. MGA Plus allows corporate clients to automate and scale their business in the same way within their highly complex structures.

Cloud Benefit Solutions Inc. logo (CNW Group / Cloud Benefit Solutions Inc.)

Professional Plus offers complete peace of mind to advisors who want to monitor and protect their clients. CloudAdvisors’ machine learning assistant, CALEB, assesses benefit plans daily and generates personalized information to identify gaps in coverage. Benchmarking reports and personalized recommendations are generated and delivered to employers prior to the meeting, ensuring all parties have the data they need to make informed decisions. By embracing an automated digital experience, advisors can be assured that all clients receive consistent, high-level attention, analysis and recommendations.

“By automating critical work, we’ve increased the ability of our consultant partners to focus on what matters. Processes that used to take hours of work can now be completed in seconds, ”said CloudAdvisors CEO, Matt lister. “CloudAdvisor partners have a distinct competitive advantage and can provide the best advice and the best shopping experience for employers. Imagine being able to provide one-day shipping, while your competition’s standard delivery time is 8 weeks. We are witnessing a revolution in financial technology and electronic commerce. , anyone who does not currently partner with CloudAdvisors is at risk of being left behind. “

CloudAdvisors has facilitated a digital transformation of the benefits industry and helped improve health coverage for millions of Canadians. Employers can now search and compare thousands of solutions within from Canada Employee Benefits Marketplace, through an authorized CloudAdvisor partner. This innovation has connected buyers and sellers in this market like never before.

“We are witnessing a revolution in $ 1.1 trillion Group guarantees market in North America“Says the CEO of Victory Square Technologies, Shafin Tejani. “Insurers and brokers who do not partner with CloudAdvisors will miss the opportunity to digitally transform their distribution. The employer values ​​the convenience of a transparent market, and CloudAdvisors makes insurance better for everyone. “

Professional Plus is changing the way advisors connect with their clients by making digital relationships a priority. Automating critical deliverables to customers ensures they have the right tools to make the best decisions for their employees. CloudAdvisors democratizes access to healthcare and improves insurance for everyone.

To learn more, be sure to visit www.cloudadvisors.ca

About CloudAdvisors

Situated at Vancouver, BC, Canada, CloudAdvisors is from Canada Employee benefits market, powered by artificial intelligence. CloudAdvisors was founded in 2015 and enabled a fully digital shopping experience for employee benefits.

SOURCE Cloud Benefit Solutions Inc.

Cision

Cision

View original content to download multimedia: http://www.newswire.ca/en/releases/archive/August2021/23/c9623.html

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Willy Hernangomez is the Pels’ insurance policy https://4wallsandaview.com/willy-hernangomez-is-the-pels-insurance-policy/ https://4wallsandaview.com/willy-hernangomez-is-the-pels-insurance-policy/#respond Sun, 22 Aug 2021 19:36:22 +0000 https://4wallsandaview.com/willy-hernangomez-is-the-pels-insurance-policy/ When the New Orleans Pelicans resigned Willy Hernangomez it was hardly front page news, in fact hardly anyone paid attention. Was all the hype surrounding the Pels’ unbeaten Summer League run, coupled with the Lonzo Ball saga, inking a save center a minor concern. But bringing back Willy Hernangomez makes a lot of sense from […]]]>

When the New Orleans Pelicans resigned Willy Hernangomez it was hardly front page news, in fact hardly anyone paid attention.

Was all the hype surrounding the Pels’ unbeaten Summer League run, coupled with the Lonzo Ball saga, inking a save center a minor concern.

But bringing back Willy Hernangomez makes a lot of sense from a basketball standpoint and he also offers a valuable insurance policy against injury or possible absence.

Hernangomez signed for 3 years / $ 7.3 million, which is a team deal that could end up being very important for the New Orleans Pelicans.

New Orleans Pelicans: Willy Hernangomez is a quality replacement

Willy Hernangomez has actually had a very good season for the Pelicans after being forced into action due to ineffectiveness from Jaxson Hayes and a few late injuries from Steven Adams.

Hernangomez has appeared in 47 games, including 12 starts, so he got a lot more minutes than the team probably expected when they signed him to be third center.

Hernangomez ended up averaging 7.8 points and 7.1 rebounds for the Pelicans, including 10 doubles-doubles while playing 18 minutes per game on average. He stepped up when he was called, that’s all you can ask for from a replacement.

He may have to start over this year.

New Orleans Pelicans: What about Jaxson Hayes?

I won’t go into the whole Jaxson Hayes story as full details have not been released and the investigation by both the police and the NBA is still ongoing.

But I think it’s safe to say that Hayes may end up running out of time depending on the outcome of these investigations, although the amount is yet to be determined.

Even if Hayes ends up being cleared of all charges against him, it is possible that he will get some sort of league or team suspension, so Hernangomez could be pushed into action again.

The Pelicans are going to play a lot of different lineups and will have a mostly positionless squad that can play small if needed, but as the only other center other than Jonas Valanciunas, Hernangomez is going to get a few minutes if Hayes is not available.

It wasn’t a hit deal or one that will propel the Pelicans into the race, but bringing back Willy Hernangomez could end up being very important.

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The basics of home insurance https://4wallsandaview.com/the-basics-of-home-insurance/ https://4wallsandaview.com/the-basics-of-home-insurance/#respond Sun, 22 Aug 2021 09:02:39 +0000 https://4wallsandaview.com/the-basics-of-home-insurance/ Lew sichelman Many homeowners, especially rookies new to the game, have no idea what their homeowner’s insurance policies cover. Buyers know they need to have insurance or their lender won’t provide the financing. And they need to know that they have to keep the cover in place, or the lender could call their loans due […]]]>

Lew sichelman

Many homeowners, especially rookies new to the game, have no idea what their homeowner’s insurance policies cover.

Buyers know they need to have insurance or their lender won’t provide the financing. And they need to know that they have to keep the cover in place, or the lender could call their loans due and payable in full. As an alternative, the lender could set up a policy at a much higher premium, adding the additional cost to the owner’s monthly home payment.

But as to what is covered? Most people don’t even read their policies.

That’s understandable, given that most policies are written in legal gibberish that few of us can understand. But when you don’t know what’s covered and what’s not, you might have a big surprise when it comes time to make a claim.

So here is, with a nod to the Insurance Information Institute and other sources, a basic introduction to insurance coverage.

Four types of cover

A standard home policy has four types of coverage: the structure itself, your personal effects, third party liability, and additional living expenses.

Structural coverage pays for the repair or reconstruction of the home if it is damaged by fire, lightning, wind, hurricane, or any other disaster listed in the policy. The most popular policy, known as HO-3, offers the broadest coverage, protecting against 16 listed risks.

The personal effects section covers your furniture, clothing and other personal effects if they are stolen or if they are destroyed by an insured loss.

Liability insurance protects you against legal action for injury or damage caused to other people by you, your family members or even your pets. He also pays the costs of your defense, as well as any court order, up to the limit of the police. And it doesn’t just cover your home, but you, all over the world.

If your home is uninhabitable due to damage from a listed risk, the insurer will typically pay for your hotel, restaurant meals, and other living expenses while the location is rebuilt. If your house is rented out and your tenants cannot live there during repairs, the policy may even cover “loss of use”, meaning they will pay you rent that you do not have. could collect during the absence of your tenants.

While an HO-3 policy is the most popular, others are available. An HO-1 policy sets minimum coverage, while an HO-2 offers a bit more (but less than an HO-3). An HO-4 policy is for people who rent single-family homes and covers their belongings against all 16 perils. And an HO-6 policy is for condominium owners, covering their property and the parts of the structure they own.

What is covered – and what is not?

What is covered by your policy is as important as what is not. Floods are not, for example, so you will need a separate policy for this. Sometimes flood coverage is necessary to get and maintain financing, but even if it isn’t, it’s a good idea to take a long and serious look at it. Flooding can happen anytime, anywhere – and not just from massive storms.

Other typical exclusions include damage caused by earthquakes, war, pollution, nuclear accidents, intentional damage, normal wear and tear, construction defects, vehicles parked on property, frozen pipes and vandalism.

Once you’ve chosen the specific policy, you need to choose one of three levels of coverage:

Actual cash value: Pay to replace or repair the house and replace your belongings, less capital cost allowance.

Replacement cost: Pay as above but without capital cost allowance. Note: While replacement cost policies cover structure, they do not cover anything above the actual cash value of your property.

Guaranteed or extended replacement cost: As the highest level of protection, guaranteed coverage pays whatever it costs to rebuild the house as it was, even if it exceeds policy limits. An extended policy pays a certain percentage – typically 20-25% – over the limit.

While this protects against sudden increases in construction costs in the event of a shortage of materials after a major and widespread disaster, it will not be cost effective to bring your home up to current building standards. For this, you will need an “ordinance or law rider”, which will help you pay the additional freight.

Obviously, the more coverage you buy, the higher your premium. The amount you pay is also governed by your deductible: the higher the deductible, the lower the rate.

Don’t stop there

But we must not stop there. Beyond flood coverage, you’ll want to add endorsements, aka endorsements, to your coverage to cover any items you may have that are excluded from your standard policy.

The list of excluded items is long: jewelry, work equipment, wine collections, luxury rugs, antiques, furs, silverware, boats and fine art, to name a few.

Once you’ve got the coverage in place, it’s a good idea to take an annual insurance review to make sure your property is still protected at its current value – up or down – as opposed to to what it was worth when you put the font in place. To protect against this, consider an inflation protection rider so that coverage is automatically increased each year.

Your annual exam should also cover your runners. Maybe you don’t own that beautiful mink coat anymore, for example, or maybe you bought a van Gogh to hang on your living room wall.

Lew Sichelman has been covering real estate for over 50 years. He is a regular contributor to numerous housing magazines and to housing and housing finance industry publications. Readers can contact him at lsichelman@aol.com.

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Best cheap auto insurance in Vancouver for 2021 https://4wallsandaview.com/best-cheap-auto-insurance-in-vancouver-for-2021/ https://4wallsandaview.com/best-cheap-auto-insurance-in-vancouver-for-2021/#respond Wed, 11 Aug 2021 14:08:43 +0000 https://4wallsandaview.com/best-cheap-auto-insurance-in-vancouver-for-2021/ The average cost of auto insurance in Vancouver is $ 516 per year for minimum liability, while the average full coverage policy costs $ 1,211 per year. That’s significantly cheaper than the national average cost of auto insurance, which costs $ 1,674 per year for full coverage and $ 565 per year for minimum coverage. […]]]>

The average cost of auto insurance in Vancouver is $ 516 per year for minimum liability, while the average full coverage policy costs $ 1,211 per year. That’s significantly cheaper than the national average cost of auto insurance, which costs $ 1,674 per year for full coverage and $ 565 per year for minimum coverage. Finding affordable auto insurance is often a priority for drivers, even in an area where annual premiums are below average.

To find the best cheap auto insurance companies in Vancouver, Bankrate evaluated providers on several key factors. Our team analyzed factors such as coverage options, prices, discounts, and third-party ratings, such as AM Best and JD Power. Based on these metrics, the best cheap auto insurance providers in Vancouver for 2021 include USAA, PEMCO, Geico, and State Farm.

Best Auto Insurance Companies in Vancouver

Among the top auto insurance companies in Vancouver, USAA has the highest customer service score from JD Power, although it is technically considered ineligible. State Farm holds the highest official rank for customer service among these vendors, but PEMCO and Geico have cheaper average annual bonuses, by comparison. Depending on your situation, the ratings of these suppliers will vary more or less from the averages in the table below.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
United States 884/1000 * $ 319 $ 816
PEMCO 835/1000 $ 354 $ 960
Geico 821/1000 $ 432 $ 989
State farm 844/1000 $ 464 $ 1,011

* Not officially ranked by JD Power due to eligibility restrictions

United States

USAA holds the cheapest fares in the North Central region, but it is technically considered ineligible because membership is limited to serving members of the military and veterans, as well as their families. Those who qualify have access to USAA Army-specific savings programs, such as discounts when you store your car on base or are deployed. To complement your policy, the USAA offers optional roadside assistance, rental reimbursement, and personal injury protection (PIP) for extended protection.

Learn more: USAA Insurance Review

PEMCO

PEMCO not only receives impressive customer satisfaction scores from JD Power, but it also offers competitive pricing for multi-faceted coverage that includes many protections that are typically not offered by other vendors. You can choose from custom coverage for parts and equipment, coverage for towing and labor, coverage for keys, and even coverage for your car loan. PEMCO also offers accidental death coverage up to $ 10,000 and insurance for your pets up to $ 1,000 in coverage. If you’re driving for a rideshare company like Uber or Lyft, rideshare coverage is offered for that as well. It should be noted that PEMCO operates exclusively in Washington State and Oregon.

Learn more: PEMCO Insurance

Geico

Geico ranks slightly lower for customer satisfaction in the North Central region than its local counterparts, but it has fantastic mobile resources to help you take control of your politics. Geico offers optional PIP coverage, in addition to available emergency roadside assistance, rental reimbursement and mechanical breakdown insurance. Vehicle discounts, such as safety savings and safe driver discounts, can help make Geico’s already competitive rates even more affordable. Be sure to check out driver affiliate discounts, such as savings for certain employees and members of specific groups.

Learn more: Geico Insurance Review

State farm

State Farm is the top ranked supplier in the North Central region for customer satisfaction, which is not surprising given that the company has over 19,000 agents available nationwide. With State Farm, you can supplement your contract with carpooling insurance and optional rental insurance. You may also see lower rates by taking advantage of discounts available on state farms. State Farm offers two specific discounts to help you save; its iconic Drive Safe & Save and Steer Clear discounts.

Learn more: State Farm Insurance Review

Cheapest auto insurance in Vancouver

Auto insurance in Vancouver is a bit more expensive than in the rest of the state. While the average full coverage policy costs $ 1,211 in Vancouver, the average cost of full coverage auto insurance in Washington is $ 1,176 per year. Either way, auto insurance here is much cheaper than the average cost of auto insurance in the United States, which costs $ 1,674 per year, based on the annual premiums offered by Quadrant Information Services.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 319 $ 816
Progressive $ 419 $ 1,012
Geico $ 432 $ 989
State farm $ 464 $ 1,011
Travelers $ 479 $ 897

The cheapest carriers in Vancouver are very similar to the best cheap auto insurance carriers. Strictly looking at the top carriers by market share, there are some similarities with USAA, Geico, and State Farm all placed on the list. However, Progressive and Travelers are joining the list of cheapest auto insurance in Vancouver, competitively priced for minimum coverage and full coverage. In addition to affordable rates, these providers also offer great coverage and discount options with high ratings from third-party providers like JD Power and AM Best.

Insurance Requirements in Vancouver

Under Washington state law, drivers in Vancouver must purchase a minimum amount of auto insurance before they can legally drive. The minimum auto insurance required for Vancouver drivers includes:

  • $ 25,000 civil liability for bodily injury per person
  • Civil liability of $ 50,000 per accident
  • Civil liability for property damage of $ 10,000 per accident

In addition, underinsured motorist coverage and PIP must be offered but may be refused in writing. For drivers who prefer to self-insure, certificates of deposit or liability bonds can be used to comply with financial liability law.

To drive a vehicle, you must purchase minimum auto insurance or demonstrate financial responsibility. However, if you are leasing or financing a vehicle, you may need to purchase additional coverage.

Regardless, it is generally recommended that you consider more than just minimal liability. If you ever suffer a significant loss, your insurance coverage can help protect you against losses you cannot afford, avoiding the risk of financial devastation.

Auto insurance discounts in Vancouver

There are many types of discounts available for drivers in Vancouver. Some of the best auto insurance discounts available for your Vancouver auto insurance policy include:

  • Driver: You can benefit from a special discount only depending on the type of driver you are. Many companies offer special discounts for teen drivers, students and the elderly.
  • Security: Many vendors offer discounts on security features, including anti-theft systems and anti-lock brakes.
  • Payment: When you renew your quote in advance or sign up for paperless statements, you could see significant savings on your policy.
  • Group: You can get discounts based on factors such as your employer, membership in certain groups, or military affiliation.

Being a safe driver can earn you several discounts from some suppliers. Popular discounts include those for being lossless and accident-free. You can also save money with some providers when you successfully complete a defensive driving course.

Frequently Asked Questions

What is the best auto insurance company?

The best auto insurance company depends on your personal needs for your auto insurance. Every driver is different and some insurers may offer coverage that is better for you than others. Bankrate’s Best Auto Insurance Companies for 2021 are a great place to start, given their many coverage options, discounts, and high third-party ratings.

How much does auto insurance cost in Vancouver?

The average cost of auto insurance in Vancouver is $ 516 per year for minimum liability and $ 1,211 per year for full coverage. However, auto insurance is calculated based on several rate factors, including where you live, your car make and model, your credit score, and your driving history.

How much auto insurance do I need in Vancouver?

If you want to drive in Vancouver, you need to purchase auto insurance that includes a minimum of $ 25,000 in personal injury or death per accident, $ 50,000 in personal injury or accidental death, and $ 10,000. injury or destruction of property of others by accident. Other means of satisfying financial liability are available, but may put you at risk of financial loss in the event of a costly accident.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes may be different.

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