Insurance Tips
By Menachem Kuperman

Having a low rate sedan assurance statement is something that the driver desires. With prices of everything currently on the levitate, and car cover is no exemption, this seems difficult to many people. How can you drop the rate of your indemnity strategy?

Choose a Higher Deductible: By opting to go with a superior deductible you can lessen the premium on your strategy. Just make assured you can present the deductible if you do get in an accident.

Take a Driver's Safety Course: Check with your assurance visitors to see if they deal a reduce on cover policies for completing an agreed course in driver's wellbeing. Many assurance companies promote this and it is one way that you can lower the expense of your strategy.

Equip Your Vehicle with Safety Features: Many companies will give a lower to drivers that have cars with certain shelter features such as genteel security restraints and air bags.

Make Sure Your Car has Anti Theft Devices: This is another mark on your car that could recover you money. Many companies will give discounts for unwilling theft plan such like certain locks and alarms.

Get Good Grades: If you are a scholar, getting good grades could rescue you money on car assurance. Having good grades could earn you a discount on your auto cover plan.

Carpool: By powerful less you could be one tread close to a low loss car indemnity policy. Many companies have a discount for people who converge certain low mileage requirements. Find out what your indemnity band's requirements are for this, and try to join them.

Shop Around: Compare quotes every six months or so to make convinced that you are getting the lowest cost car insurance policy offered to you. Not the guests has the same tariff, so shopping around can surely profit you.

Low cost car insurance here! Article Source: http://EzineArticles.com/?expert=Menachem_Kuperman

Another Insurance Company Scam - Denying Payment on Deaths From Fire
By Russell Longcore

In March 2007, a disgruntled nurse set fire to a six-story atrium office building in Houston, Texas. The building suffered extensive damage, and three people died from smoke inhalation.

The primary insurance company with a $1 million policy on the building has accepted liability. However, there is another insurance company involved.

Great American Insurance Company has Excess coverage on this building over and above the underlying $1 million policy up to a limit of $25 million. They have appeared in the courtroom of US District Judge Lee Rosenthal and argued that the deaths were caused by "pollution," which in their view, is the smoke generated by the fire.

Most all policies have a coverage exclusion for Pollution, which is meant to exclude coverage for seepage or discharges of pollutants that cause damages. But the Pollution Exclusion also mentions smoke, fumes and soot.

And, that is where Great American is hanging its hat.

Great American is arguing that coverage for the property damage and deaths should be denied because the smoke from the fire qualifies as "pollution," and as such the claim should be denied.

In my opinion, this argument violates the intent and clear words of the Pollution Exclusion.

I hope that you are as outraged as I am over this travesty unfolding in a Houston courtroom. But, stop for a moment and consider how smoking mad the families of the three victims of the fire must be. There's no question how these people died. Smoke inhalation is one of the most common causes of death in fires, much more common than injuries and death from flame. And the reason is that the building materials of today create deadly toxic fumes when they ignite. Many times, it only takes one breath of these fumes to kill a person.

I pray that the judge will use common sense and rule against Great American. It's too bad that the judge cannot punish them for violating Unfair Claims Practices regulations here. But, proffering a bogus motion in court is likely not enough to qualify as bad faith.

But, wouldn't you agree that this effort by Great American is as close to Bad Faith as possible?

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

Copyright 2008 by Russell D. Longcore P.S. I wrote a book that YOU need! check out: http://www.insurance-claim-secrets.com NUMBER ONE at Amazon.com in its category! Nominated for Georgia Author of the Year Award 2008 Finalist, USA Book News "Best Book Awards 2008" My blog is at: http://insurance-claim-secrets.blogspot.com/ Article Source: http://EzineArticles.com/?expert=Russell_Longcore