Affordable Health Plans for Cooley Law Students
As I explained in a previous post about personal umbrella policies, our society becomes increasingly litigious during tough economic times. Another byproduct we see of high gas prices, high unemployment, and the general trend of people leaving rural areas for urban areas is that more and more people are choosing to go car-less. Maybe you use ...
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You look outside in the morning, and see ominous dark clouds rolling in. Logically, you think to yourself, I better take my umbrella with me today, or maybe you already have one stored in your car or purse. Chances are, you aren’t scrambling to buy one before you get drenched. Umbrellas are easily affordable, aren’t hard to maintain, and are unbeli...
In our previous column we explored the importance of insuring your home to full replacement cost. While that may be one of the most commonly asked questions, another difficult question arises from a heartbreaking, and unfortunately frequent situation. While losing your home or experiencing an auto accident are certainly dangerous and devastating, t...
With the property market still sliding down its slump, this is easily one of the most common questions I receive as an agent. There could be two parts to the question, but the answer is the same. Let’s consider this scenario: You purchased your home with a mortgage for $200,000 ten years ago. Now, after making all those payments I’m sure you rememb...
For many of us who have been lucky enough to avoid collisions or roadside emergencies, it may seem easy to think of what to do. Get out of the road, call 9-1-1, get the other person’s information. But what if you’re scrambling to write on a napkin, or don’t really know what to ask? What if it’s freezing outside and you’re lost? Make sure you’re pre...
With the announcement of many insurance companies’ third quarter results, it appears that insurance premiums will be on the rise, or at least not reduced, in 2012. Companies and individuals who have had significant losses or many small losses may anticipate an increase in premiums or in some cases maybe even a cancellation notice. Traveler...
A few weeks ago, high winds knocked down a dozen trees along the road we live on, breaking three poles holding electrical lines which supplied power to our farm. We have a standby generator, so we were not without power for very long. Our family did do one unique thing after normal electrical service was restored. We sat down and ma...
Hurricane Irene caught many businesses unprepared when the storm turned inland and wreaked havoc on many parts of New England. Most businesses as well as state and local governments were not prepared for a disaster on the scale of Irene. Irene's heavy rains caused the kind of severe flooding that had not been seen in New England for a very long ti...
Last week, I discussed the importance of Ordinance and Law Coverage for older buildings. Click here to read the article. As I mentioned in my previous entry, Ordinance and Law Coverage has three basic parts. The specific coverages provided under this endorsement are: Coverage A - Loss to the Undamaged Portion of the Building - If part of ...
Do you own a home or commercial building that is more than 10 years old? If so, you may be at risk if your building is damaged and has to be repaired. Say your building is damaged and you have insurance, you think you are all set to go, pay your deductible and get started on the repairs, right? Unfortunately, it is not that simple. Before t...
Last week, we talked about what you should do if you come out of a store to find your car damaged. But, what if you saw the incident or have witnesses who saw the person who damaged your car? If you can determine who hit your parked vehicle, try to obtain their license plate number and a description of the vehicle and the driver. If possible, take...
Unfortunately, many of us have been in this situation before. You walk out of the grocery store or mall and find that someone has hit and damaged your car! What should you do? If possible, go back into the store you were visiting and report the fact that your car has been hit. If you're in a mall with a security service, contact security to...
