5 Sure Ways to Get Through the Roof Auto Insurance Rates – INSVIA


(PRWEB) February 14, 2013

http://www.Insvia.com, click here to visit the website, has identified top five ways to get sky-high insurance premiums.

1. Be the cause of a car accident – If it is one’s fault in a car accident, then car insurance rates are likely to raise. That increased is usually refered to as “surcharge”. It is a good idea to ask for “surcharge schedule” before signing up for insurance policy as it providers details on how insurance premiums are going to be increased in case of auto accidents.

2. DUI Conviction – could mean cancellation of an insurance policy or insurance costs may increase.

3. Vehicle with high claims history – some cars are expensive to insure because on average these cars have frequent and expensive car insurance claims. Sports cars often fall into this category. Use Insvia.com to find lowest insurance policy for a car.

4. “Pimp up” a car – “if you have a passion for minifying cars, you can expect higher auto insurance costs. If you make modifications to your car and forget to inform your insurance carrier about it, the insurance company will recover the price of the car before those modifications.” says the Insvia.com representative.

5. Marry reckless driver – Adding a reckless driver is a sure way to increase auto insurance premiums. The amount that insurance costs are going to be increased by depends on the significant’s other driving record.

Insvia.com providers free auto, home, life and health insurance quotes. Insvia strives to educate American drivers as well as find the best auto insurance savings. Click here to visit the website.







Health Insurance Plan Reimbursement from Auto Wreck Settlement

Health Insurance Plan Reimbursement from Auto Wreck Settlement

When you signed up for health insurance at work did they tell you that if you get a in car wreck, you will have to pay your own medical expenses? Burt True, a lawyer with True & Associates, discusses insurance subrogation. Subrogation is when your health insurance plan claims they get paid back for the medical expenses they paid before you get paid for your injuries. Missouri (and other states) prohibit the assignment of personal-injury claims. In a recent case, Scroggins v. Red Lobster (2010), a woman agreed to a settlement with Red Lobster after she fell there. But, her employer, St. John’s Hospital in Springfield, claimed that its health insurance plan gets paid back out of her settlement. The court said, “Missouri courts have never allowed a provider to be reimbursed for medical expenses that the insured recovers in a settlement from a liable third party under a lien theory, and we declined to do so now.” But, your health insurance plan does not stop there. They want a way around state law. So they go to the feds. They get qualified under a federal law called ERISA. ERISA stands for Employee Retirement Income Security Act. Since federal law trumps state law, the health insurance plan claims it can still get paid back even though state law prevents this. Now it gets complicated. ERISA does preempt state law, but there are exceptions listed in the federal law. One exception is state insurance law. But then there is an exception to the exception called the Deemer Clause

Save Money on Auto Insurance Quotes with AffordableInsurancePlans.com

New York, New York (PRWEB) June 16, 2012

AffordableInsurancePlans.com has launched a new website to help vehicle owners save money on auto insurance quotes. When a consumer enters in a zip code on the website, quotes will be provided instantly based on the location of the user. Consumers will be able to find and compare quotes from multiple local insurance providers, for free.

“We partner with hundreds of insurance providers across all states in the United States,” Eric, Senior Advisor of AffordableInsurancePlans.com explains. “We aim to help consumers get the best coverage at the lowest cost.”

According to latest statistics from USA Census (census.gov), drivers in the United States need auto insurance:


Vehicle Theft rate: 219 of every 100,000 vehicles are reported stolen every year

Average Car Accident Fatality Rate: 1.21% (61.4% road way accidents, 20.9% intersection accidents,)

United States has an average cost of only $ 1,575.51 a year on an auto insurance policy. It is mandatory, in most of the states, for drivers to have at least liability coverage.

Auto insurance quotes are provided instantly online at AffordableInsurancePlans.com. “With your zip code, our system will be able to fetch quotes from various insurance providers in your area, and list them on the website in a matter of seconds,” Eric added. “It never hurts to compare. But if you don’t, you may be missing out on hundreds of dollars in saving.”

AffordableInsurancePlans.com is America’s #1 resource in auto, home, health, life, business, and travel insurance quotes. Find, compare, and save money on affordable insurance plans today.