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I just moved to Oregon from CA. I got a quote from State Farm which suits my need. I just got a quote from an agent. She mentioned something like this in the quote. I have me and my wife as drivers.
“Automobile liability with W/P $25000″ 50/100/50. I mean to ask what does “W/P $25000″ mean?
This is the longer version of Huckabees explanation of why pre-existing conditions (it’s like being able to buy fire insurance after your house burned down) and other schemes in ObamaCare won’t work. Third grade math is more complicated than the logic of why it will send health insurance premiums through the roof but that’s waaay to complicated for liberals. I’m betting premiums will at least triple within five years and then the dems will blame it on those evil insurance companies again and insist we have to go to single payer. Here are some facts: Insurance premiums increase an average of 25% per year since Massachusetts implemented universal health care www.youtube.com . According to the Boston Globe, they now have the highest premiums in the world. Canada has single payer and out of 20 countries they rank last in value for their health care dollar www.youtube.com . England has single payer. Survival for breast cancer is 79% compared to 90% in the US Do the math and it would mean an extra 24000 deaths per year in the US in just breast cancer alone. Medicare turns down claims two to three times as much as insurance companies do. Insurance companies have an average profit margin of 2.2%. Thats what the dems call evil www.youtube.com . Docs lose money on Medicare and Medicaid www.youtube.com www.youtube.com . People that pay insurance make up the difference in higher premiums. Now well be making up the difference for a lot more like paying for someone elses kid until age …
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All insurance policies should be understood properly by the payer. Sometimes this can be challenging because of the amount of information contained. Any thing that is not understood, should be explained by the insurance agent, before a payment is made.
While reviewing a possible policy. Pay utmost attention to what will have to paid by the insured besides the premium. This is considered the deductible or excess amount. When this fixed fee seems too high, the applicant is able to design a coverage that suits better.
Those in the insurance claims adjusting business and those who may be interested in becoming an insurance adjuster will inevitably encounter the concept of reciprocity in their licensing procedures. However, the concept is largely misunderstood or misrepresented and knowing the real ins and outs of state licensing reciprocity can save adjusters significant time, money, and aggravation. So what is reciprocity and what should an insurance adjuster know about it?