What Are the Things Your Car Insurance May Not Cover?

This may come as a shock to you. Still, your typical car insurance provides coverage for four basic things – bodily injury liability, property damage liability, medical coverage, and under/uninsured motorist coverage. For other things your car insurance may not cover, you will have to pay out-of-pocket when the situation may arise. Read on to find out more.   7 Things Which Are Not Covered by Your Car Insurance Damages Caused by a Natural Disaster Your basic car insurance does Read More

The Best Life Insurance Policies for HIV Positive Applicants

Life insurance aims to provide financial protection for your loved ones in the event of your death, regardless of your health status. But for HIV applicants, it may be a little bit tricky. Read on to find out more about life insurance for HIV-positive applicants. Can HIV Positive Patients Get Life Insurance? The answer to that is yes. These days, provisions have been made to purchase life insurance policies without jumping hurdles. With the continual increase in medical breakthroughs, the Read More

5 Tips for Filing a Homeowner’s Property Damage Insurance Claim

You purchase homeowners insurance to protect yourself from expenses that can arise from property damage. However, how do you set things in motion when damages occur? How do you stake your claim and ensure the insurance company is responsible for the expenses incurred on repairs? In this article, we will provide you with five tips for making these claims to help you navigate the home insurance claims process if your home gets damaged. Report Crimes to the Police If your property damage Read More

3 Things to Consider Before Buying an Electric Vehicle

Electric car ownership is on the rise with more people opting to buy them than ever before. In 2020, global sales of electric vehicles increased by 43%. Meanwhile, overall car sales declined due to the COVID-19 pandemic. UBS predicts that by 2025 electric vehicles will make up a whopping 20% of all new cars sold globally. Have you ever considered buying an electric car? If yes, now is the time. Besides being environmentally friendly, there are also many other incentives related to using an Read More

Will My Homeowners Insurance Cover House Foundation Repairs?

Having a homeowners insurance policy can go a long way in protecting your home from unfortunate catastrophic events. Without adequate coverage in place, such events can place a huge strain on your finances. However, a home insurance policy does not cover every possible source of damage. For instance, a typical homeowners insurance policy does not cover all causes of foundation damage. In this article, we will examine scenarios that are covered by your homeowners insurance and those that are Read More

Car Insurance Deductibles: What Are They & How Do They Work?

A car insurance deductible is the amount of money a policyholder has to pay out-of-pocket towards a car accident claim. It is the amount you have to pay following an accident before your car insurance coverage kicks in. Unlike health insurance claims, car insurance does not require you to pay an annual deductible. Instead, you have to pay the deductibles on a per claim basis, i.e., every time you file a claim. In this guide, we will examine the different types of car insurance deductibles Read More

Why Should Women Choose Term Insurance Plans?

In recent times, women have been more involved in various fields and industries historically filled by men. Due to the rising cost of living, both men and women in many households have had to work outside the home in order to earn more income. The loss of an income earner in such situations can result in a financial crisis. In some single-parent households, women act as the only provider in the home. If they have no financial protection, such as a life insurance plan, their demise can result in Read More

4 Ways to Encourage Your Employees During COVID-19

Many businesses have had to close down during the pandemic with no plans to reopen. Business owners were forced to adapt to restrictions and changing customer demands, all of which have affected their employees. Struggling employees will be less motivated and less productive than employees who do not have such crushing worries. This is why offering constant support and encouragement can be very helpful for your employees and your business. The following are a few ways in which you can Read More

California Laws for Cellphone Usage and Distracted Driving

There is no gainsaying that the introduction of mobile devices has had a positive effect on the world economy; however, like with everything, it also has its demerits. Teenage drivers tend to be less responsible than adult drivers. Reports show a significant percentage of road accidents involving teenagers was caused by phone-related distractions. This has resulted in several driving-related legislation, especially in the state of California, to enforce road safety practices and encourage Read More

How COVID-19 Has Made Homeowners Proactive Towards Home Repairs and Improvements

Since the pandemic induced lockdown, there's been a dramatic change in the behavior of homeowners. Many homeowners have tilted towards making proactive improvements and repairs in their homes. Data from homeowners shows that 71% made improvements and repairs to their homes recently. They also affirmed that these improvements/repairs would be a continuous project, done periodically over time.  What Has Led to This Proactiveness Among Homeowners? The reason for these dramatic changes Read More