Online Insurance Guide

In today’s tough economy, cruises have exploded in popularity because of their affordability and convenience. However, if a medical issue arises during your cruise and you do not have proper coverage, you could suddenly be faced with a very expensive and inconvenient problem. For this reason, all travelers taking cruises are encouraged to look into cruise insurance.

Cruise insurance offers travelers financial protection from the high cost of healthcare that can occur in international areas not covered by your normal health insurance plan. Full Post…

Finding the Best Car Insurance | best auto insurance company
To get the best car insurance for your needs, it definitely pays to shop around – the type of insurance you buy is as important a decision as the actual car.  read more…

:: Best Car Insurance Company:: Car Insurance Quotes Business
Car Insurance Quotes Business: Best Car Insurance Company.  read more…

:: Car insurance companies within its type species offer car …
But, some types of car insurance are required by law, and not others. The laws ca

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There are numerous Chinese citizens residing in the USA and their parents and relatives visit them during special occasions from China. While in America as a visitor one should purchase a proper medical insurance plan to get coverage in case of an emergency. Health insurance for visitors from Chinapolicy is a special plan designed for the visitors to get medical coverage.

Since the medical costs are very high in overseas nations visitors insurance plan will help to meet the hospital bills in case of an emergency. Health insurance for visitors from China plan assures peace of mind for the visitors by giving financial assistance in case of an emergency.

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When you buy International Student Health Insurance, along with a docket full of documents you also get a Health Insurance card. The card is supposed to be carried with you at all times. Many students forget this important aspect.

If it is a planned visit to the doctor, you will obviously remember to carry the card with you to process a claim. However, in case you are in an emergency and need to be rushed to a hospital, your health insurance card kept securely in a folder at home is not going to be of much use. Medical authorities will most probably look into your wallet to ascertain your identity. Full Post…

I have previously written on what is and is not “flood” damage.  Now, another chapter in that same story.

My client’s home was inundated with water when the fire hydrant at the front of his property literally blew off.  The ensuing deluge undermined the foundation of his house, and penetrated his frame walls, and soaked his garage.

He submitted the claim to his homeowners insurer which promptly denied the claim based on exclusions for “flood,” and/or water which “backs up from a sewer, drain or sump.”  Absurd.  Neither of these exclusions apply.

“Flood” damage is not synonymous with water damage.  Flood damage when read in the context of most homeowners policies means rising water from a pond, lake, river or ocean, or tidal surge from any of these.  These cannot be extrapolated to include a defective fire hydrant.  Nor, is this loss caused by a “back up” from a sewer, drain or sump.  This isn’t a “back-up,” and a fire hydrant is not a sewer, drain or sump. 

Most homeowners policies are “all-risk” policies, which means that they cover all losses – however caused – unless they are specifically excluded.  Because this loss is not specifically excluded, it is covered.

As with most of my insurance cases, my client owes me nothing out-of-pocket.  If I win, the insurance company must typically pay my fees and costs, and if I lose, I’ll work for free.