Do You Need to Buy Additional Insurance When Renting a Car?   If you’re renting a car, you’ll probably be offered some “extra insurance”—but do you really need it? Also, what about your insurance? Will that cover a rental car? Or only under certain conditions? If you’re wondering whether or not you should buy the insurance, don’t stop reading!  Is It Really Insurance?  They call it insurance, but it’s not technically insurance—at least not like the kind you’ve got. When you pay for auto insurance, you’re paying them to provide you coverage up to a certain limit. For example ..read more

” The Insurance Company Said It Was My Fault, but It Wasn’t! ” What should you do now? Keep reading! Who Determines Fault in an Accident?  The insurance companies generally determine who’s at-fault in an accident. Normally, the insurance companies representing each client work together to determine who’s at fault for the accident. Insurance companies may use video footage of the actual incident, pictures and video footage of the accident scene, medical records, police reports, eye-witness accounts, traffic control data, and more to determine fault. The police do not always determine who’s ..read more

How much insurance do I really need? Is the cheapest plan really the best plan? Do you even need insurance in the first place?  How Does Insurance Work?  Customers pay their insurance company a premium (usually monthly, semi-annually, or yearly), in exchange for coverage in the event that you cause a crash. When the client causes a crash, the insurance company will pay for the damage caused up to the policy limit. So, if you have a $50,000 policy, that means that your insurance company will cover up to $50,000 worth of damage or injuries to the other person. The insurance company rep ..read more

Is getting treatment without health insurance even possible? Spoiler alert: DON’T avoid treatment just because you don’t have insurance!  Problems with Avoiding Treatment  When a person is injured, but doesn’t receive treatment for their injuries, regardless of the reason, insurance companies always use that as an excuse to deny the claim or minimize the amount they pay to resolve it. Usually, they’ll argue that you weren’t really injured because, if you were, you would have gotten treatment. In some cases, the insurance company may attempt to settle the case by offering a low settle ..read more

Before we go any further, it’s important to understand how insurance works. When you pay your insurance premium, you’re paying for financial coverage (up to the policy limit)  in the event that you cause an accident. Most people aren’t causing accidents all that frequently, so it’s no surprise that the insurance companies are raking in big bucks with every person they insure. It’s not good for insurance companies to pay the injured party because those payments cut into the insurance company’s bottom line. So what do they do? They find ways to ensure that the injured party takes the lowest ..read more

The Insurance Company’s Job Is to Make Money  When you buy insurance, you pay a fee—called a premium—on a regular basis. You pay a premium in exchange for financial coverage (up to your policy limit, of course) in the event that you cause an accident. When people are injured in an accident, the insurance company of the at-fault party will make an settlement offer to the injured-party. A settlement offer is saying you agree to withdraw or waive any claims you may have against the at-fault party for injuries you sustained in that accident, in exchange for an agreed sum of money. It is in th ..read more

Now that the holiday season is over, spring is right around the corner. But it isn’t here yet, and there’s always the possibility of eight more weeks of winter, so follow these safety tips!    Careful with that Gasoline!  If you’ve got a lawn that’s growing, it’ll probably need mowing—in some places, you may need to mow your lawn as early as March! If you have a lawn mower that needs gasoline, you need to be careful about how you transport that gasoline and how you store that gasoline. You should never store gasoline inside your home. If you’ve got some gasoline stored in a ..read more

If you’ve got the motivation and the determination to go for a jog bright and early, there are surely a lot of people who are jealous of such discipline! However, you’re not going to be able to meet your goals in a short period of time if you sustain injury due to unsafe jogging practices. If you’re going out for a morning jog, make sure to stick to these safety tips.  Wear the Right Gear  Although spring time might be just around the corner, the weather outside is still frightful, especially in January. If you’re going jogging in the mornings, make sure you’re adequately bundled up ..read more

If you’re going to the gym, make sure you’re staying safe.  What Is Premises Liability?  Premises liability refers to the liability that property owners have when a person guest or implied invitee becomes injured on their property. While this does apply to residential properties, it also applies to commercial properties such as gyms. Property owners generally have a duty to prevent guests or implied invitees from becoming injured on their property due to a hazardous condition on the property. A hazardous condition could be a part of the property that’s being renovated, or it could be ..read more

The new year is here, and many people are heading into 2024 with a personal goal to get healthy. Whether that means shedding a few pounds, or getting that resting heart rate down for good, fitness journeys generally mean going to the gym. If you’re starting up a gym habit in 2024, it’s important to stay safe. When you’re in the gym, you could sustain injuries that could impede your fitness goals, and set you back.  Dress for the Gym  What’s an appropriate gym outfit? Well it depends on your gym’s dress-code—if there is one—and what work-outs you’re doing. Here’s a good rule to follow ..read more