If you've lost a family member who carried life insurance, here are some key steps to follow. One, secure copies of the most recent policy, and two, send either a notarized copy of their death certificate or the original certificate to the insurance company, which you send depends on policy requirements. Track the documents when sending three. Talk to the company about the claim. After reviewing the policy language, your. Note any policy exclusions that apply to your situation. Four. Figure out how you want to set up payouts all at once or in regular smaller payments. Five. Keep personal records of the claim, copies of all related documents and notes, including any related case or claim numbers from phone calls.

Auto insurance is legally required, but it's up to you to shop and choose. Here are some tips. One, do your research. Search both locally and nationally. Read reviews and check consumer ratings. Don't give out your contact info until you've narrowed your choices to companies with excellent service, affordable policies, and the right coverage. Two, rate shop. Each company has slightly different models and rates. It's worth shopping with your specific car and circumstances. Three circumstances matter type and age of car your age, others in your household, particularly teenagers, affect rates. So does your driving record or deals and. Combining auto with other insurance such as homeowners or umbrella policies can reduce your overall spend and reduce paperwork. Five. Work with an expert. They'll help you figure out coverage that suits your situation.

How is life insurance calculated? Life insurance rates and coverage are calculated from quantifiable factors about you, such as are you filing singly, just you or jointly with a significant other? What is your age at the time of filing your current health and lifestyle? Also matter. Do you have any chronic or serious illnesses? What kind of lifestyle do you lead? Do you smoke? Does your weight impair your health? Do you participate in potentially life threatening hobbies? In addition, family medical history and your driving record may affect rates naturally, the length of the policy and amount of. Effects cost as well as do the way payments are structured. Do rates increase, decrease, or stay constant over time? It's worth understanding the details as lower premiums can provide major savings over time.

Cars are large and powerful, and driving has risks. So some degree of auto insurance coverage is legally required. In most states, at least, basic liability insurance is required. If you drive without insurance, you can face expensive fines or have your license revoked even if you drive very well and don't have an accident. If you are involved in an accident, auto insurance can save you thousands in repair or replacement costs for your car and potentially another car or property. It's even more expensive to address human repairs. Medical costs from accidents can reach major sums. Many auto insurance policies include options for medical. Auto insurance is just a required aspect of owning a car. It's legally required and it provides financial and physical security when you drive.

Don't wait for a hundred year storm to learn about flood insurance. Here are some key facts. One, there's generally a 30 day delay before new flood insurance coverage is in force two. It's not just riverfront homes, one in five flood insurance claims are made from low risk areas. Three. Standard homeowners insurance will not cover floods. Fortunately there are solutions. Flood insurance is quite affordable. The Federal Emergency Management Agency says that annual flood insurance premiums can be as low as $112. You can purchase flood insurance from any insurance company that participates in the National Flood Insurance Program. You can supplement N F I P coverage with private insurance for additional coverage. Not having flood insurance is costly. Damage from that rising water could cost you thousands, even an additional loan on top of an existing mortgage. Visit flood smart.gov and talk to your agent to understand your options.

With collision coverage when your car hits an object like a tree, or another car your insurance company will pay for repairs to YOUR car. If you have a “deductible”, you’ve agreed to pay that much in repairs yourself first. Then your insurance pays up to the limits of your coverage which should equal the value of your car. Collision doesn’t cover: medical bills, theft, or car damage NOT caused by a collision.