Accountable Care Organizations (ACOs) were born out of the Affordable Care Act (or Obamacare, if you prefer) as an attempt to lower costs and improve the quality of care to Medicare patients. The principle is to provide coordinated care instead of the potentially fractured care that sends... Click…

You have sustained an injury in a slip and fall accident away from your own property. Who is liable for your medical costs? Are you liable, is the property owner liable, or is there a middle ground? Slip and fall cases are sometimes complex and hard to predict, since they are regulated at…

Farrah Cervantes had planned for her mother, Christina Lim, to move in with her, her husband Vincent and their two kids, ages 10 and 8. But, would that mean too much togetherness? What about privacy in their single family home? The Cervantes never had a chance to find out.  When they saw a newly…

You may want to upgrade your home to make the space more livable for you and your family, but it doesn’t hurt to know whether you’ll be able to recoup the cost of the upgrade should you decide to sell your home. Of course, whether you will be able to depends on the upgrade itself. Just ask…

This is the time of year when northern “snowbirds” winter in their southern abodes. As a result, they may want to temporarily discontinue all or some coverage on the autos they garage up north. Or someone my have an auto they’re doing a major rebuild on and want to suspend all or some…

The ISO CGL policy optionally includes coverage and a sublimit for fire damage legal liability (FDLL). It covers the insured’s legal liability for fire damage to rented premises. FDLL is a commonly required coverage under various types of contracts. It is often improperly required for a…

I subscribe to a blog from a plaintiff’s attorney. I don’t always agree with the posts, but I find them to be interesting and generally fair. An exception was a blog post (and a response) made this weekend about a Missouri insurance department bulletin that was published then later…

The crisis on U.S. roads shows no sign of letting up. New government estimates project that for the second straight year, the United States will see the largest leap in motor vehicle fatalities in 50 years. In the first nine months of 2016, the Department of Transportation estimates... Click…

One of America’s most cherished muscle cars is going electric — the Ford Mustang. Ford announced plans Tuesday to make a hybrid version of the Mustang that will be powered by electric motors as well as a gasoline engine. Ford cancels Mexico plant The news comes as part of a... Click here to read…

Prepare for bad weather When bad weather hits, most folks would prefer to stay at home. Obviously, this isn’t always an option. The folks at Rain-X, a company that helps drivers outsmart the elements, has five tips to help you safely navigate the roads. Courtesy Rain-X Wiper... Click here to…

Don’t buy long-term care insurance until you read these answers to the most frequently asked questions about long-term care insurance. Combine the fact that most of us–about 70 percent, according to some sources–are going to have to make use of long-term care at some point in... Click here to read…

Looking for health insurance but don’t know an indemnity plan from a Preferred Provider Organization? We’ve got you covered. Trying to wrap your head around all of the different health insurance plans, policies, and types that are available today can be a confusing and daunting task at any time,…

If you are, or are going to be a college student, you have many options when it comes to getting health insurance coverage while keeping costs low. You may think that as a college-bound young adult the health insurance options that are available to you before and after you arrive on campus…

Long-term care is expensive, and this type of insurance can help you pay for some or all of the services provided by long–term care. Statistics suggest the majority of us are going to need to be on the receiving end of what’s usually called long-term care at one point or another during t... Click…

Seniors have more options when it comes to obtaining health insurance than any other segment of the population. Here’s some information about, and expert advice for, each of them. Buying health insurance tends to be a rather joyless experience for a lot of people, no matter how young or old…

No one wants to pay more than necessary for their auto insurance. If you’re trying to be budget-conscious, you know that finding ways to save in all areas is a win. In fact, some experts recommend that you spend no more than 20% of your take-home pay on transportation. This includes a car…

The single most frustrating coverage question I get goes something like, “Does a(n) XXX policy cover….” Where “XXX” can mean “auto,” “homeowners,” “CGL,” “D&O,” and the list goes on and on and on and on (like some of my posts, as you will learn if you subscribe to my blog). The acronym…

Something that gives me great consternation is the perpetuation of insurance myths. One such myth is that hitting a deer in a motor vehicle is ONLY covered if you have comprehensive coverage on your auto policy. I’ve seen or heard this generalization from industry organizations, insurers,…

Are riding lawn mowers covered by homeowners policies? This is a pretty broad question. For the purpose of this post, I’m talking about homeowners (HO) coverage for injuries to third parties. So, are such injuries covered by HO policies? Here’s the usual insurance coverage answer: It depends. It…

Important facts and information about COBRA health insurance: How much it costs, who can get it, what’s covered, and how long you can keep it. You might have heard your coworkers talk about it, or thought about getting it when you became unemployed. Whatever the case, the Consolidated... Click here…

Health insurance premiums can be quite different from person to person, even for identical plans. Find out why, and how you might be able to lower your rates. Now that the ACA has passed, health insurance is something that nearly every person has or is at least planning on getting at some…

Learn how to avoid 10 common but costly mistakes people often make while shopping for health insurance coverage. Buying health insurance is a confusing process for a lot of people, even with the new health insurance “exchanges” that were set up at the federal and state levels... Click here to read…

Not sure how to choose a health insurance plan that’s right for you? We can help. Although the window–also known as the open enrollment period–during which people can pick a health insurance plan that meets the federal government’s requirement (as per 2010’s Affordable Care Act, or “... Click here…

Here is what you need to know before you buy, switch, or stop paying for a Medicare supplement (MedSup) insurance plan. As anyone who has made use of it is well aware, Medicare covers many kinds of care—including hospital and skilled nursing facility visits as well as the lab tests, surgeries,…

Signing up for Medicare Supplement insurance can be tricky. Read our helpful guide to make the process easier. Unlike other forms of insurance, health insurance policies can usually only be purchased and modified at certain times. Medicare Supplement insurance, also known as MedSup or…

Most life insurance policies require a physical exam, but some can be had without one. While they tend to be much more expensive, there are times when they make sense. Normally, when you go to apply for life insurance, you have to jump through a certain number of hoops before you’re a... Click here…

Many employers offer life insurance as a benefit but the coverage provided is seldom enough to meet your family’s needs should tragedy strike. There are many misconceptions in the world of insurance. One of them is that employer-provided life insurance is all anyone needs. While it’s a g... Click…

Learn how to avoid these 13 common but costly mistakes many people make when they buy life insurance. All sorts of situations push people to buy life insurance: buying a house, getting married, having kids, even starting a business. For most, investing in this kind of insurance is spurred by…

Read this if you’re having a hard time making heads or tails of all the different kinds of whole life, permanent, or cash-value life insurance products that are on the market today. Whole life insurance—or permanent or cash-value life insurance, if you’re better acquainted with e... Click here to…

“On a long enough timeline, the survival rate for everyone drops to zero.” — Chuck Palahniuk Many people consider life insurance to be the “black sheep” of the personal finance world. While products like auto insurance or homeowners insurance tend to protect tangible assets and offer returns the…

Whether you’re the primary breadwinner, a divorcee, a homeowner, an empty nester, or a retiree, you need life insurance. But what happens if you can’t afford a policy? Keep reading to find out. Life insurance can be expensive—but it’s also important to own. Especially if you have expenses that…

Although mortgage life insurance may sound appealing, you should probably ignore it unless you have a sizable mortgage, or you’re unable to afford or obtain traditional life insurance due to health issues. Most people first become aware of mortgage life insurance when they go to purchase a... Click…

If you’re a renter without insurance, you’re taking a big risk. You’re also part of a large group that wrongly assumes their landlord’s policy gives them coverage. This isn’t the case, as a landlord’s property insurance coverage only pays for damage to their building, not your belongings. A 2014…

Answers to our most frequently asked questions about life insurance. If you have a question, we have an answer. Q: What is term life insurance? A: Term life insurance provides coverage for a specific period of time—typically from one to 30 years–and it only pays out if you pass away d... Click…

Funerals are expensive, often costing more than $7,000. Burial insurance can help cover these costs so that no one has to worry that their passing will be a financial burden. Like taxes, death is an inevitable part of life. And whether you plan on getting cremated or buried, funerals... Click here…

Why Life Insurance? How much does your spouse, or your children, or even your parents or your siblings, depend on you financially? If your answer to that question is something along the lines of “quite a bit,” you’re probably a candidate for buying some form of life insurance. After a... Click here…

What do air bags, windshield wipers, and vinyl all have in common? They were all invented in Alabama, along with portable electric hearing aids and Wikipedia. Sweet Home Alabama is home to two of the most popular football teams in the SEC: the Auburn Tigers and the University of Alabama…

This type of insurance can help you secure the financial future of your loved ones. The vast majority of people who shop around for life insurance do so for one reason: to offer some measure of financial security for loved ones—such as a spouse, children, parents, or siblings—should they pass…

Receiving a traffic ticket is never a pleasing experience. Not only can they be costly, but they can add points to your driver’s license as well. Drivers who exceed a certain number of points face a license suspension or revocation, in addition to a potential increase in their insurance ra... Click…