Insurance Archives - Page 3 of 5 - Oh My Heartsie Girl

March 24, 2020July 29, 2021

You Need To Make Sure You Get The Right Life Insurance

It is important for people to take steps to protect their most valuable assets. Of all of the assets someone could possibly protect, the most important is their life. This is where life insurance comes in. Specifically, life insurance is a form of protection that people take out to protect the income they currently earn. For example, if someone were to unexpectedly pass away, how would his or her family survive? That individual would no longer bring in any form of income for his or her family, so how will his or her family be able to continue to pay the bills? For this reason, people need to make sure they take out the right life insurance policy.

The Conditions of the Policy

When someone is looking for life insurance Newark DE, it is important to read the fine print. Specifically, under what conditions will the policy get paid out? For example, one of the most common sticking conditions for life insurance policies is suicide. Some policies will not pay out the benefit if an individual were to die by suicide within the first few years of the policy going into effect. This might be an issue for someone with a history of mental health disorders. This is only one of the many reasons why people need to check the conditions of the policy closely.

The Size of the Policy

One of the most common mistakes people make when they take out a life insurance policy is not buying enough life insurance. In order to calculate how much coverage someone needs, they need to calculate the amount of money they are going to earn over the perceived course of their careers. Then, this amount of money needs to be discounted back to today. This is the amount of coverage people need with a life insurance policy. For help with this calculation, it is a good idea to work with trained professionals.

Find the Right Life Insurance Policy

These are a few of the most important factors people need to consider when they are looking for life insurance. Without a doubt, there are lots of options out there for life insurance similar to other forms of protection include home and auto. For this reason, individuals need to make sure they work with a trained professional who can guide them in the right direction. Everyone needs to make sure their families will be protected with a life insurance policy.
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February 6, 2020

Why You Need Renters Insurance When You Go To College

When you go off to college, there are many things that you need to invest in. College itself is an expensive place and whether you or your parents are paying for your experience, there are a lot of cash changing hands. To deal with this, many people try to save where they can and avoid spending money on things like school books or renters’ insurance. The truth is that you can actually save money by buying renters insurance if something were to go wrong.

In this article, we are going to tell you some of the reasons why you need renters insurance when you go to college. Keep reading to find out more about why this might be the case.

Accidents Happen

One of the most important reasons why you need renters insurance is that accidents can happen a lot more easily than you think. When you are away from home, you will find that you need to handle things alone and this is what makes accidents more possible. The good news is that with renters insurance, you can protect yourself from any of these accidents, depending on the level of insurance that you have. If you want to protect yourself from these kinds of accidents then you will need to have a solid policy.

Colleges Are Rife With Theft

We all rely on our mobile phones and other electronic devices these days so what would happen if someone were to steal yours? At this point, you would be thinking that your Mom was right – you probably need renters insurance to protect you. According to experts college campuses are one of the 5 most common places for phones or laptops to be stolen and this is not ideal. You’ll find that theft takes up 42% of the criminal activity that takes place in colleges across the country.

If you want to protect yourself and make sure that you have cover if any of these things were to get stolen, you need to make sure that you invest in some renters insurance. When you are taking out a policy, you need to make sure that these kinds of items are covered as some providers might avoid this.

You’ll Likely Have Friends Over

Another great reason that you need renters insurance when you go to college is that you will be likely to have friends over. These are probably going to be people that you have recently met and this can be quite exciting. Of course, if you don’t know these people very well then you might find that they are not opposed to putting in a claim against you if they are to get injured in your property.

The good news is that some renters’ insurance policies will protect you if this happens, as long as the expenses are within your policy range. You’ll find that you can afford to pay for the medical bills as well as the damage that was caused to your property. This is definitely something to consider when you go off to college and make friends.

You Are Taking High-Value Items

The final reason that we think you might need renters insurance when you go off to college is that students often bring expensive items with them to campus. For example, if you were to play an instrument that your parents purchased for you as a gift, you might want to bring it with you to your new college apartment. This is great but it also comes with a lot of risks.

If you are planning on taking some high-value items with you to college then you should make sure to get an insurance policy that will cover it. You might need to declare this item separately on your policy application so this is something to consider.

Key Points

If you are planning on heading off to college next year then now is the time to start thinking about renters insurance. College students can easily fall victim to theft and this is something that you will want to manage accordingly. If you can find a policy that will cover all of the items that you are planning on bringing with you then you should be able to feel safe within your new home.

Make sure to consider all of the tips that we have given you and don’t forget to get that renters insurance policy that your mum told you to get!
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February 3, 2020September 12, 2020

How Much Will a Speeding Ticket Cost Me?

Being pulled over may be commonplace, but it doesn’t make it less frustrating when you’re dealing with it—like many other people, you’ve been accused of speeding, and now you’ve been ticketed. You may not believe it’s fair, but you may be worried about fighting that ticket. What will it really cost you?

Many people who receive a speeding ticket think they’ll just pay for the costs and move on. Sadly, it’s not always so simple. Your costs can add up, making it tough to recover if you choose not to fight your speeding ticket. Make sure you understand those costs before you agree to anything.

Financial Costs of Your Speeding Ticket

When you’re pulled over for speeding, your first concern may be the fines attached to the ticket. Those may be over one hundred dollars for driving just a little bit over the speed limit. Unfortunately, they may not stop there.

The farther over the speed limits you were driving, the more expensive your speeding ticket maybe. That could lead to thousands of dollars, and if you’re accused of reckless driving, you could even be arrested, not just ticketed. Your short-term costs could get out of hand quickly because of this.

Insurance Penalties

The expenses don’t stop there. If you pay that ticket, that’s considered an admission of guilt and you’ll be convicted of a traffic violation. That may not seem like a big deal, but it could be a big deal to your insurance company.

The insurance company considers speeding tickets a sign that you were driving recklessly, which means you may be a car accident risk. To minimize its costs, the company may charge you more for your insurance coverage because of your ticket. For some drivers, that makes their insurance policy too expensive to afford, leaving them without coverage.

Driving Points

Even if you’re not concerned about the financial losses you could suffer, your driving points could be reason enough to call a Chicago speeding ticket lawyer. These driving points may not affect your license right away, but the long-term effects can be dire.

If you’re convicted of a traffic violation, you may have driving points added to your license, though the number will depend on the severity of your conviction. If you receive enough points within a year, your license could be suspended. That leaves you without a license for months or even a year following a conviction.

Get Your Speeding Ticket Dropped before You Pay

If you’re facing a speeding ticket, paying the fine won’t make it go away. Instead, your penalties and costs will just keep piling up, making it even harder to recover after a speeding ticket conviction. You may need help to avoid those penalties.

Fortunately, you have a chance to fight your ticket. Instead of paying your ticket, plead not guilty and take your case to court. Even a reduced conviction is better than accepting your penalties, so seek out a defense for your case and get your penalties reduced.
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February 3, 2020September 12, 2020

Can I Still Be Compensated if My SC Work Comp Claim Is Denied?

A work accident can leave you suffering and struggling to both recovers from your injuries and deal with the emotional trauma you’ve been through. However, you may have just gotten some bad news—your South Carolina worker’s comp claim has been denied.

That can be difficult to deal with, especially if you’re not familiar with your options after a worker’s comp denial. You may be worried about whether you can even be compensated now, and whether your South Carolina workers comp lawyer can help you fight back. Fortunately, you may have an opportunity to get workmen’s comp despite your denial.

Requesting a Formal Hearing

When you’re denied workers comp benefits, your worker’s comp lawyer can help you take action for your claim. When the insurance company refuses to compensate you for your losses, you may still be eligible to disagree and prove to the worker’s compensation board that you should be compensated.

For example, you may have suffered severe injuries in your accident, but you didn’t have enough proof that your injuries were that severe. Instead of accepting that denial, you may talk to your attorney about gathering more medical proof of your injuries and moving forward with that claim.

The Appeals Process

If you’ve been denied workers’ compensation benefits, you may still be able to fight back and get the compensation you need. Workers will be able to file a petition for a formal hearing with the South Carolina Workers Compensation board within a short time after they’re denied benefits.

You and your lawyer can file for your worker’s comp benefits, then seek all possible evidence that could help your claim. Medical evidence, footage of the accident, and expert witnesses can all give you the evidence you need for your claim.

Your attorney will represent you in court and present the evidence you’ve gathered for review. Once you and your employer have presented all evidence, the board will make its decision on approval or denial for your claim.

Your South Carolina Work Comp Claim Denial Can Change

If you’ve been denied workers comp benefits, you may be worried about your options. The truth is, without a steady income or financial help, it can be difficult or even impossible to maintain your quality of life and support your family.

Unfortunately, that’s a reality for many injured workers. You may have just gotten the news, for example, that your coverage has been canceled. The doctor may have ruled you fit to work, even though you’re still in pain and recovering from your injuries.

That’s difficult for a lot of people, especially if you’ve just received a worker’s comp denial. Fortunately, you have a chance to get compensated even if you’ve already been denied. Your attorney can help you build a defense for your claim, which can be tough when you’re struggling to recover from severe injuries.

Luckily, you do have a chance to act now, so reach out for help. You have a chance to get benefits despite your denial, but you’ll need to act fast for the compensation you’re eligible for.
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