Suicide is never a topic that anyone wants to acknowledge could ever be a real concern in their own immediate family. However, statistics show that in 2013, more than 41,000 deaths were suicide related. Losing a loved one to suicide does happen, and thinking that life insurance will not payout after such a grieving event can be an even more trying situation. While many insurance companies hold what is often referred to as a suicide clause, most life insurance customers have no idea as to exactly what this means.
If you've come home from vacation, or even a long day at work, and notice flood damage from a busted water heater or another destructive water episode, the first thing you'll do is whatever it takes to remove the water. You'll then call the damage contractors to repair any structural damage.
If you have a lot of personal items that were ruined in the flood, you'll need to find a way to obtain the proper value of the items for your insurance company so they can be replaced.
When you open up your car insurance bill and see a premium higher than normal, it can send you into a panic. The good news is that setting a high deductible is not the only way to reduce your insurance premiums. Here are five helpful tips for lowering your car insurance premiums:
Take a Defensive Driving Course
Defensive driving courses are not just for teenagers anymore; adult drivers can also take them to lower their insurance premiums.
While each state has minimum auto coverage requirements, the coverage options offered by each auto insurance company can still vary wildly. Below are three questions to ask each company to get a better idea of what they can offer you, and to help narrow down your auto insurance company options.
Question #1: Who Will be Covered Under My Policy?
If your aunt is visiting from out of town and borrows your car, will your car be covered in the event of an accident?
Everyone wants to save money on car insurance, and it's probably much easier than you think. Use the following tips to earn discounts and smaller premiums from your auto insurance carrier:
Choose Your Car Wisely
If the high cost of insurance premiums is an issue going in, make sure you get one or two quotes before purchasing your new car. Choosing a model that rates high on the list of most-stolen cars or that has a notoriously poor safety rating is going to cost you more.