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Overcast ~ High: 36°F Tuesday, Feb. 7, 2012 |
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Don't insure everything, just the things you might mind losing
Posted Tuesday, September 1, at 10:16 AM A new national survey commissioned by Allstate Insurance revels college-aged adults are acquiring things at a prodigious pace. However, protecting those things is of little concern -- to themselves of the parents who support them. In the study, almost half of respondents (48 percent) reported belongings worth more than $10,000 and 87 percent reported they could only afford to replace, at best, some of their things...
Swimming pools: Great fun, but can be dangerous When temperatures start to soar, many people will be taking advantage of the heat-beating delights of a swimming pool. Whether you have a luxury in-ground pool, or plan to blow up the simplest of inflatable above-ground pools, it is important to consider the insurance and safety implications, according to the Insurance Information Institute...
IIHS crash tests reveal pricey damage even in low-speed collisions Even a fender-bender in a fuel-efficient mini car can lead to thousands of dollars worth of repairs, the insurance industry found in new crash tests. The Insurance Institute for Highway Safety reported recently that repairing damage to micro cars in low-speed crashes of three-six miles per hour could cost anywhere from $474 to $3,701...
Tips to prevent and deal with troublesome, expensive hazard Hundreds of communities throughout the United States are already experiencing flood conditions, which can cause extensive water damage to homes and businesses. Flood conditions can also cause sewage from sanitary sewer lines to back up into houses and businesses through drain pipes. These backups not only cause damage that is difficult and expensive to repair, but can also create health hazards...
Be prepared to make a quick exit Only weeks into 2009, an arson outbreak in a Pennsylvania suburb, deadly tornadoes in Oklahoma, flash floods in California and several earthquakes in New Jersey serve as a reminder that disaster can strike at any time. There is no time like the present when it comes to sitting down with your family and preparing for the day when you may be forced to evacuate your home, according to the Insurance Information Institute...
Life changes can affect insurance needs Major purchases and lifestyle changes, such as marriage, divorce or retirement, can have a profound effect on insurance needs, according to the Insurance Information Institute. At least 32 million U.S. households own insurance policies that aren't right for them, according to a survey by the Independent Insurance Agents and Brokers of America Inc...
I.I.I. offers tips to prepare for dangerous conditions Snow and high winds pose threats to motorists throughout the winter, making safe driving and well-maintained vehicles of greater importance than ever, according to the Insurance Information Institute. Inadequate surveillance (21 percent), internal distractions (11 percent) and driving too fast for conditions (8 percent) were on the top three pre-crash events attributed to drivers, a National highway Traffic Safety Administration survey found...
Study between what, how people drive An auto insurance solutions provider said recently that its research has found that owners of heavy sports utility vehicles get more traffic tickets than sports car drivers. San Francisco-based Quality Planning said its study shows that drivers of "aggressively styled" SUVs, such as Hummers, are more frequent violators of the rules of the road...
Don't let the auto insurance lapse More drivers are letting their car insurance lapse because of the sour economy, putting themselves and others at risk. Several hundred thousand drivers dropped their insurance in the past year as the jobless rate climbed, estimates a study by the Insurance Research Council, an industry-funded group...
Declining car risk for older drivers Drivers over 70 are keeping their licenses longer and driving more than earlier generations, a trend that has led to dire predictions about car accident risks for aging baby boomers. But new research from the Insurance Institute for Highway Safety should ease those fears. It shows that fatal car accidents involving older drivers have actually declines markedly in the past decade...
A problem of the brain, not the hands In half a dozen states and many cities and counties, it is illegal to use a hand-held cell phone while driving -- but perfectly all right to talk on a hands-free device. The theory is that it's distracting to hold a phone and drive with just one hand. But a large body of research now shoes that a hands-free phone poses no less danger than a hand-held one -- that the problem is not your hands but your brain...
Protect homes against winter storms in the fall Winter storms can wreak havoc on your home and account for a large percentage of homeowners insurance claims nationwide after hurricane season comes to a close each year on Nov. 30. The time to winterproof your home is before the cold weather sets in, according to the Insurance Information Institute (I.I.I.)...
Double check coverage for rentals With so many people planning to travel during the holiday season, there are likely to be long lines at rental car companies across the country. Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers don't even think about car rental insurance until they get to the counter, which can result in costly mistakes, according to the Insurance Information Institute...
Renters insurance can cover a lot Most renters can acquire thousands of dollars worth of property and liability insurance coverage for less than $20 a month. Yet, fewer than half of those renting either a home or an apartment have a renters insurance policy, according to the Insurance Information Institute...
Be wary of too much holiday cheer Many would-be hosts are completely unaware of their potential liability when hosting a holiday party. More than two-thirds had no idea they could be held financially liable should a partygoer leave their home and cause an accident. Liability concerns exist inside the home as well. ...
Motorcyclists: Examine coverage Part 2 In August 2008 the United Stated Department of Transportation launched a public-service campaign focusing on motorcycle safety after the DOT found that in 2007, motorcycle fatalities accounted for 13 percent of all roadway fatalities, while the number of motorcycle riders or passengers killed on the nation's roads increased 6.6 percent over the previous year...
Motorcyclists: Examine coverage Part 1 Virtually all hardcore riders answered they would give up their spouse or significant other before their motorcycle, according to the recent results of a consumer study commissioned by Allstate. Also, riders across all classifications were twice as likely to give up their television sets before their motorcycles -- a testament to the passion Americans feel for their bikes and riding...
Car insurance may not cover mishaps It's no secret that insurance companies don't like the people they cover to drive fast. So, it shouldn't be a surprise that the industry has been removing a policy loophole that insured drivers on racetracks. That has left weekend warriors uninsured if they participate in track days or attend high-performance driving schools...
Keep those typing hands nimble Keyboarding really is an athletic event -- so much so that those who regularly work on computers should find any opportunity to make it fun to exercise. One great way to do so is through keyboard calisthenics. How to do keyboard calisthenics: Sit back in your chair and let your hands rest on your lap...
Deer season presents hazards Cars and deer can be a lethal combination. Deer migration and mating season generally runs from October through December and causes a dramatic increase in the movement of the deer population. As a result, more deer-vehicle collisions occur in this period than at any other time of year, so drivers need to be especially cautious, according to the Insurance Information Institute (I.I.I.)...
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Hot topics Life changes can affect insurance needs(1 ~ 1:09 AM, Apr 28)
Don't insure everything, just the things you might mind losing
Swimming pools: Great fun, but can be dangerous
IIHS crash tests reveal pricey damage even in low-speed collisions
Tips to prevent and deal with troublesome, expensive hazard
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