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Insurance Information

Insurance coverage provides
safety net if disaster strikes


Insurance can be a mysterious and confusing subject, and many of us only take the time to learn the details of our policies when it's too late -- after we have an accident, illness, lawsuit or other peril of life -- natural or man-made. That's the wrong time to find out that your auto insurance, homeowners, life or business insurance policy does not cover what you thought it did.

If you had the foresight to buy insurance and you have the proper coverages, you'll be happy you took the time to understand your policies, and update them as your needs change. Insurance minimizes the financial impact of a loss, and it usually can reduce a loss situation to a mere annoyance rather than allowing a lack of coverage to amplify your bad luck into an full-blown apocalypse. In short, the right type of policy literally can save the day!

Without protection, many car accident or disaster victims have faced complete financial disaster -- their hopes and dreams dashed by an inattentive driver, sudden illness or tragic storm. Their lives are turned upside down, and without some sort of coverage, there is no safety net to protect their interests. It means starting over... often from nothing.

So how does insurance work? How did it start? How does an insurance company make money? Theses are questions answered by this web site.

Policies are available for anything that has a risk of loss associated with it. While an policy frequently cannot replace the actual item lost, it is designed to compensate the victim financially -- the amount depending on the details of your insurance policy.

Want to know about the history of insurance and its role in helping us manage risks? Click Here



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Press Release and Top Insurance News From 24-7 Press Release Newswire

07/02/2009
Craig Goldenfarb Named Chairperson to AAJ's AED Litigation Group
Craig Goldenfarb, a local personal injury lawyer, has been appointed chairperson of the American Association for Justice's Automated External Defibrillator Litigation Group
07/02/2009
The Stewart Law Firm Honored for Crime Victim Service
The Stewart Law Firm, P.L.L.C. has received an Outstanding Service Award in recognition for the firm's service and commitment to victims of crime from Crime Victims First.
07/02/2009
Michael Jacksons Passing Can Serve To Save The Lives Of The Millions That Are On Their Way To Join Him In Death Because His Personality Is The Personality Of Many Millions...
Remember Michael Jackson, he either passed from us leaving only his music, or in death he can remain an icon to set millions of sheople free from slick drug advertisements and the resulting drug dependency. Which will he be to you?
07/01/2009
A Primer on Cross-Examination of Defense Experts
Every trial lawyer knows it--a case can be won or lost on the cross of your opponent's expert. Most attorneys have the skills for a basic cross-examination, but this article provides an additional framework for effective cross-examination of expert witnesses at both deposition and trial.

Insurance Journal

07/02/2009
Ratings Roundup: Pacific Indemnity (Guam), Secura, Fuji Fire
A.M. Best Co. has upgraded the financial strength rating to 'B++' (Good) from 'B+' (Good) and the issuer credit rating to "bbb" from "bbb-" of Guam-based Pacific Indemnity Insurance Company (PI), ...
07/02/2009
Restoration Association Names Winters President
Vancouver, Wash.-based Institute of Inspection, Cleaning and Restoration Certification (IICRC) has named Patrick Winters its first, full-time paid president, effective August 1, 2009. Winters ...
07/02/2009
Greyhound Potentially Liable for Lack of Bus Seatbelts
A Federal Court judge in Sacramento, Calif., has ruled that Greyhound could be liable for failing to put seatbelts on its buses. In this case, the plaintiffs were eight passengers who were ...
07/02/2009
Missouri DOI Returns Nearly $6M to Consumers in First Half of 2009
Consumers who filed complaints with the Missouri Department of Insurance received $5.9 million from insurance companies during the first half of 2009, the department has reported. The money ...

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 True Stories:

Forest fire fries plans
One summer day turns dark for an Oregon man & his father, and their homeowners policy just wasn't enough.

Auto makeup mirror -- Not!
When summer vacation hits a red light -- literally! The story of an auto accident victim and settling a car insurance claim away from home.

Car eating dog
I'll have a red Pathfinder, hold the wax, please! Your automobile policy might cover more than you think, as this owner found out.

Saved by disability coverage
A young burned-out businessman takes a long rest thanks to a disability policy.

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