The Purchase Of An Insurance Company - Franchise Or Independent?

If you're thinking of buying an insurance company, you probably already know that you have a huge market that demands to be able to provide. A large percentage of the population takes many forms of insurance which means that no matter what business you buy, you will have a large audience. One of the first and most important decisions you have to do when deciding whether to buy this type of partnership is good for you to choose between an independent and franchise arrangements.

Although all societies are inherently at risk in one way or another, you can replace a lot of risk, if you look to buy the company, which was established franchises. Once loyal customers now form the basis for the company's brand is already there. Franchising puts great emphasis on brand recognition. Also, by trial and error phase of the business is far behind us. Many of the franchise is a training session on the spot for you, so you do not need to learn the ropes. When you become a franchise owner, you are given lots of support for the size of the franchise company.

Then again, you can choose to buy the company, which is an independent company. This decision, you have more freedom than you want to take the business because there are no regulations in franchising. Also will not have to tax that insurance companies are not affiliated. Franchise fees are paid advertising and other parts of the franchise with which you can avoid as an independent company. Remember, however, services are less known, and may be difficult to find customers.

Whatever your choice, any business, you will find for sale is backed by insurance products known by the company represents. What this means is that you can build it from the point where you shop instead of starting from scratch. The fact that a huge amount of leg work already done for you is a big advantage to buying an insurance company instead of starting from scratch. This is the case with any business, the knowledge that you can use when you make the right decisions, even when you are an ambitious entrepreneur.

Washington State Fines, Chubb Six Subsidiaries $ 534,000 For Violations

Washington State Insurance Commissioner Mike Kreidler has ordered six subsidiaries of Chubb & Son, to pay $ 534,000 fine for repeated violations of state insurance law.

Federal Insurance Co., Pacific Indemnity Co., Great Northern Insurance Co., Executive Risk Indemnity, Inc., to check the insurance company and the Pacific Northwest damage Co. agreed to pay a fine. In addition, $ 534,000 fine was suspended until the companies agreed to comply with the observance of a plan which, among other circumstances, require semi-annual self-inspections.

In November, Kreidler has called for a $ 534,000 fine and a suspension of nine months of the six companies, insurance certificates, which would have prevented her from writing new coverage in this period. Under the consent order, there will be no suspension, so long as the company commits no further violations for three years.

"The companies have assured me that respect is a priority," said Kreidler, "and I hope that this approach will solve these problems."

A key issue was the repeated failure of companies to document the reasons for the practice of higher rates or lower in certain policies. Reviews and audits dating from 1998 found the same problems are repeated. Since 2000, officials from Washington State Insurance repeatedly fined subsidiaries and Chubb, and urged them to solve problems.

However, repeated examinations and a series of self-research firms Kreidler ordered since 2007, found hundreds of violations of state laws, including many more recent. In some cases, more than half of the sample was extracted files violations.

The fines imposed by the Office of the Commissioner of Insurance of the State agency will not. The money is deposited into the state general fund to pay for other utilities.

(And here's the link to request disciplinary orders of the department of insurance in Washington State.)

What Can Learn From Revenue Insurance Quotes

Proceeds from the Assicurazioni Generali

Income from insurance has always been an important part of financial planning. It is a sort of cover, which can help compensate for loss of earnings if someone loses their job. They could be fired or laid off. In any case, they can not make money they once were, and can not support their families or their lifestyle after losing their jobs.

The policy must be paid for each month as insurance in traditional style, but it will then pay to help with these costs will continue to occur even if someone has a way to earn money or pay these bills. The economy is volatile, and people are losing their jobs every day. This is not because they do not do a good job, but because companies do not have enough money to support all its employees. Consequently, a person can never be absolutely certain that they will be able to keep their jobs. This is true all the way up the majors. Losing a job should not be a devastating event, however, and have a good policy will ensure that the bills continue to be paid, while new jobs are sought.

What can we learn from Revenue insurance quotes?

Income insurance can be useful, because they show only what is given out based on what the product can be purchased. Many people do not have much extra money used to pay for another insurance policy. The quotation marks to show them what the policy works with a budget of money you can save, these quotes also shows the situation that the family would then, if a job is lost. People have the opportunity to choose the policy they can afford and who can pay what they need, if they would be forced by circumstances beyond their control to use it.

Who needs income insurance?

In this global economy, no one is safe. Most people could benefit from a policy to protect the money they earn. This will give you a sense of confidence and security, the knowledge that everything will be fine, although things in the world of work does not go as planned.

New 2011 Open Enrollment For Children Announced

The market for individual health insurance will be two special open enrollment periods for children this year. Parents who wish to add their children to their health plans or purchase plans can only do children from March 30 to April 15, 2011 and September 15 to October 31, 2011.

Commissioner Kreidler created open enrollment periods by an agreement announced today. The market for individual health insurance for people who lack access to health insurance funded by employers.

New authority to protect consumers, according to the Federal Affordable Care Act preventing insurers from denying health coverage to children with pre-existing. However, the specific open enrollment periods are allowed.

During open enrollment periods, children under 19 can not be excluded from health insurance because of pre-existing condition. People who seek protection for their children outside of the registration dates may apply to the Washington State Health Insurance Pool (WSHIP), or if they qualify, the new pre-existing condition map of Insurance (PCP-WA). To enroll in the PCP-WA, it must have been insured for at least six months and have a preexisting medical condition.

Exceptions where parents can seek individual coverage for their children whenever include birth or adoption of a child or a child or parent:

• to be eligible for a program of state.

• Elimination of coverage because of divorce.

• to lose coverage by the employer.

• Move and their implementation is not available where they live.

In 2014, when the health reforms in full force, never ages are excluded from insurance because of pre-existing condition.

Anyone with questions about individual health insurance are encouraged to call our hotline 1-800-562-6900 insurance consumer.

How to find Cheap ,Low Cos Insurance Plans

Insurance is a form of contract whereby periodic payments (also known as insurance premiums) are made to an insurance company, in order to provide an individual or business compensation in the event of property loss or damage.

The main purpose of insurance is to protect yourself or your family against the financial impact of a tragedy. In general, it is contract in which one party agrees to pay for another party’s financial loss resulting from a specified event. Insurance mainly consist of three things - insurer, insured and policy. An entity seeking to transfer risk (an individual, corporation, or association of any type) becomes the ‘insured’ party once risk is assumed by an ‘insurer’, the insuring party, by means of a contract, defined as an insurance ‘policy’.

There are two main ways to buy insurance. The first one is directly through an agent and the second one is to do it yourself. The main advantage of buying insurance from other is that an honest and competent insurer will decide according to the situation and make suggestions. The advantage of going on your own is that less money is needed for it. While buying any type of insurance, a person will save money by paying annually or semi-annually. Sometimes buying several types of insurance from the same company will save money.

There are different types of insurance available in the market. Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. There are main two types of life insurance that are term insurance and permanent insurance.

The medical insurance policy is a non-life insurance policy, which covers the expenses incurred by an individual in case of an injury or hospitalization. Individuals have to pay a minimal premium for buying medical insurance. Its main types are indemnity plan, preferred provider organization and health maintenance organization.

Homeowner insurance policy covers property and contents. There are two kinds of Homeowners Insurance policies and these policies can be divided into two categories named-Peril Insurance and all-risk insurance.

Auto insurance is the insurance against loss due to theft or traffic accidents. It can be purchased for cars, trucks and other vehicles. Its primary use is to provide protection against losses incurred as a result of car. Its main types are general liability, no-fault insurance, uninsured auto coverage and medical payments.

Car insurance is the insurance against loss due to theft or traffic accidents. Its main types are fully comprehensive auto insurance, third party insurance, fire and theft insurance, third party insurance, specialized car insurance.

Term life insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Term life insurance comes in two basic varieties term life policies and cash value policies.

There are numerous insurance providers that designs and markets insurance services for individuals, families, groups and businesses worldwide. Now, there are also online insurance facilities that help a person to select insurance just by clicking. After fulfilling the basic requirements of the insurance company, person is eligible for it.

Consumer Toolkit, An Online Presentation Of An Application, The Search Agent: New Methods For New Year's Eve

We started with new tools for consumers in the new year, including a simple way to search for past violations and complaints against insurance companies and agents.

The website of the Commissioner of Insurance now includes a "consumer toolbox" that provides:

• Easy to understand information on various types of insurance.

• Online store - and control - complaints against the insurance company.

• online filing of complaints to an insurance agent or broker.

• And the new search system for contacts, licensing, consumer complaints and previous violations by agents or companies.

The agency also continues to develop its website and social media presence, including a new page on Facebook.

Discounts And Insurance

As a basic necessity, to keep this car insurance on a leading role and importance among the papers of the vehicle. Now, the insurance of a day as a promotional offer, providing a range of discounts and offers.in among the factors within the preview of auto insurance, part of the front cover:

It covers natural disasters such as fires, explosions, auto-ignition or lightning, earthquake, flood, typhoon, landslide, landslide. Etc

Burglaries, thefts, riots, strikes, and terrorist activities, damage in transit by road, rail, inland waterway, lift, elevator or air some of the issues covered by insurance policies

Accident insurance coverage for the guidance of an individual driver and optional cover co-passengers. The insurance also covers liability for any permanent damage, death or damage to surrounding buildings

Decline in Cincinnati Ohio insurers to grant discounts of how people over 21 years. while driving is a risk factor, which is also determined by factors such as age, marriage etc.. people over 21 usually drive very carefully as any other age group. With the marriage is even more discounts on auto insurance, etc., which at that time, people are considered risk factors and less. People with children tend to drive slowly and carefully, making them capable of a good chance of auto insurance discounts. These offers vary from one activity to another.

Videos promoting the sense of driving safely if it is for drivers, increases the scope of careless driving less. understand the risk factors associated with reckless driving after watching the tutorials, further strengthens the scope of the reductions.

under the laws more stringent than Section 4509.101 traffic motor vehicle without proof of FR Ohio throughout the registration period is not allowed in the vehicle road.a plot related documents have been committed to a secure rights owners and interests. you may have problems with severe penalties and loss of property in the event of an accident takes place without any insurance.

The range of offers and discounts offered by the insurance company (espessialy, Seattle), varies by type of ownership of the vehicle, the number of gates, ie, if the vehicle has rear-wheel drive vehicle VIN, the number of security social, privacy, etc.

If your car insurance is not renewed the driving time becomes illegal. This increase is forbidden to any bonus, or loss of property due to injury or accident.

with many market possibilities in the choice of field of automobile insurance becomes a complex issue.one can decide on the insurance policy in terms of options and equipment available to them.

Pets Free to good home

Position Available: Financial Auditor

We are looking for someone to fill a Financial Examiner 3 positions in the division of control of companies, located in Seattle. Applications must be received before 17 pm on Friday.

The successful candidate will plan, implement and manage in-the-field of financial investigations of insurance companies and other entities that the agency regulates. Responsibilities include:

Review and analyze financial statements, actuarial opinions, the management report and analysis, audited accounts, taking statements, quarterly financial statements, reports and other information sources to calculate the financial situation, challenges, trends , regulatory compliance, accuracy and completeness.

For more information, see the job advertisement.

Tool To Compare The Number Of Complaints About Insurance Companies

characteristics of a used our site is our "Complaint Comparison Tool" a free and simple online tool that allows you to compare the number of consumer complaints against insurance companies.

The information is broken down by year and type of insurance (health, life, homeowners, auto, etc..) Also compares the number of complaints from market share of an insurance company, which makes it easy for Apples apples comparison with other companies.

Take a look. We sent five years of data, and should be posting more soon.

Auto Insurance Calculator Opportunities

When you get stuck in the field of auto insurance, you can use the online application for car insurance as a calculator. This special and may be assessed a premium vehicle. This has created a way for insurance companies online. The main purpose of the calculator is to obtain a rough estimate of the cost of the insurance plan.

A new insurance policy calculator also allows people to compare quotes from several insurance companies. Other benefits of this are:

* The whole process of filling the real calculator and get the quote individual does not require more than 10 minutes. However, using the following product line will save you much time to long-term framework.

* There will be quotes from several companies on the basis of confidential information is provided simply for you. This particular method, you can easily compare insurance quotes from several companies.

* It acts as a specific set of information to choose the coverage that is right for you.

Work with Auto Insurance Calculator

You can quickly find a new quote calculator for web sites that resembles carinsurance.com. Once you have found you can use it as follows:

* Enter your personal data in the simulator. You may get asked to input information such as age, marital status, young children and whether you rent or own a home. It also requested information related to education earned more if you have health insurance.

* Identify some important details about your car.

* Select this discount may be available on a calculator according to categories and on behalf of community ownership of your vehicle.

* Send your application form online for the effects immediately after duly filled in the details.

When choosing an insurance company on your base effects from the calculator auto insurance, can you address this activity and ask the exact cost. Find free info on several other commercial truck insurance and auto insurance budget.

Search For The Right Car Insurance?

Before taking possession of a car or buy a new car should be the driver of insurance in force.

Note how important it is for a driver to have car insurance

Car insurance offers coverage for protection against car accidents, car to get stolen, damaged or injured in car accident in a car accident can be an economic disaster for the driver's fault, if they have enough insurance car or do not even have car insurance at all.

In any auto insurance policy, there are many types of auto coverage in the policy you need to know before you actually go to buy a policy. These range from motor insurance for young drivers as well.

Car Categories Auto Insurance:

Bodily Injury Liability Insurance /:

If you cause bodily injury liability insurance protects you from injury in case of injury or death in the other party.

Medical / No-Fault / Personal Injury Coverage:

You always want to protect family and friends to get into his car while driving is with the body / health insurance payments and make them cover their medical expenses as well.

Comprehensive disability coverage:

In the case of vandalism, fire, flood, theft and other risks covered comprehensive physical damage covers damage to your vehicle.

Collision coverage:

Even if not the blame for the accident or collision with a car type of car insurance covers all damage, so you can return the car.

coverage of property damage liability:

When you accidentally damage someone else's property (not to be a car) liability coverage for property damage will provide protection. If somehow the situation is in dispute, where you must go to court and resolve this then this type of coverage will also cover expenses as well.

Protection against uninsured motorists:

If there was a driver involved in hit-and-run and you can get information, it also covers damage caused by them.

The agency that handles car insurance you can also offer many more opportunities for other types of coverage you can add to your auto insurance:

Mechanical Breakdown Insurance

There is another option of purchasing insurance against mechanical breakdowns and if your car breaks down for any reason during their normal lifespan will be costs that will be needed to fix it and up and running normally again.

rental reimbursement

You just had an accident and your car is in the repair shop for several days. What can you do to get to work? With coverage of rental cars that offer a refund of a rental car while the vehicle is in the repair shop fixing cars.

Emergency Roadside Service

As an alternative to Triple AAA service is just to add this same type of coverage on politics, because they cover the same things on the road, battery, no gas, shut off the trailer car, etc.. Option depends on the car insurance company that you want to go. Not all insurance companies offer these options so that would be a good idea to write down what you're looking for, then consider offering it.

How Can You Find Affordable Auto Insurance?

It is really amazing how much you can save on your car insurance if you want to be prepared to shop around if you generally looking for affordable auto insurance later, he is not bigger than the place to start Internet.

A good deal of motorists will pay for auto insurance premiums that may be simply too high simply because they are competitively priced when the vitality opportunity. Usually there are many insurance companies offer affordable automobile insurance if they tend to be willing to take the time to look around.

I know people who have found nearly 50% drop off your car insurance premiums around just by moving to a more affordable car insurance.

A new element can become less than a year just because you think was the best deal when you took your car insurance does not mean that you currently have auto insurance rates Now.

o the principle which has one year without any promise that may have changed your car and just used exactly the same insurance company for the car's speed and convenience. However, even if your car insurance provider that offers the most affordable solution for a car, does not mean that you will receive an auto insurance quote more affordable if you include the improvement of their car.

o There are also new auto insurance providers, which come on a regular basis and others have transformed their own pricing structure around achieving higher percentages of car insurance.

o Your existing auto insurance company often has decided to increase its premiums for better pay compared to competitors which could mean that you can find a more affordable car insurance through another provider of automobile insurance.

o You may have changed the number of individuals name or the youngest driver on your auto insurance policy may have achieved a kind of time step that supports your auto insurance more affordable.

o You may have moved to a region that insurance companies generally consider less dangerous, and will be ready to offer your auto insurance more affordable.

There are a number of reasons usually must obtain competitive bids from insurance and just because you're fighting with good auto insurance premiums in the past, does not mean you should not get car insurance more affordable in the future.

Research on the Internet to be a good starting price on the web are generally more competitive with discounts offered if you buy your car insurance online. If you are not convinced by companies to receive a price quote affordable auto insurance the first time you may want to try something a few major insurers that are in the insurance business self for your long-term period as Progressive Insurance Plantation Insurance or Express.

Happy hunting, have the satisfaction of smacking as a good business, your search for cheap car insurance can leave you with a new batch of extra money to burn! Order more free information on auto insurance and auto insurance lower.

* Affordable Auto Insurance for women - This tends to make it easy for ladies to get cheap car insurance coverage

* Car Rental Insurance - what you need to understand

* Questions and answers on Medicare

* Methods for affordable auto insurance - cheap motor insurance

College Health Insurance

Remember the college years? These were possibly some of the best times of your life. I mean come on; just ponder all that homework you used to stay up all night doing, and all those midterms and exams you took every quarter or semester. That was fun and exciting stuff, right? Hoo-rah! Okay, that's more of a military thing, but anyway. The truth is that with college comes good and bad. There's typically not just one or the other. Sure, you do a little homework, and then you go out and get wild and crazy with your buddies or dorm-mate. There's a balance. Oh but wait; we don't want to forget about the financial side of it all. And we certainly don't want to disregard college health insurance. This is imperative.

When it comes to college health insurance, many students don't have the slightest clue. I should know; I was definitely one of them. It actually wasn't until my sophomore year that I realized I had college health insurance. And college dental coverage for that matter. For some odd reason I had been assuming I had none. This was totally not the case. One day it just hit me. I suddenly thought that I had better get college health insurance and get it fast. Who knows what could happen? I may randomly break my arm or something. Life is just too unpredictable to not have some sort of insurance. So this is when I did a little digging. I pulled up my college's website on my personal computer and got the rundown. In no time at all I was able to discover that I already had college health insurance. It was through my school and the payment for it was deducted each quarter with my tuition fees. It truly wasn't much at all. I checked out what all I was covered for and it seemed perfect for me at the time. Heck, I even had a dental plan in place. Who'd have ever thought that college health insurance was provided for you if you were a full time student? Okay, well probably a lot of folks, but I wasn't one of them. Regardless, it felt great to suddenly know I had coverage.

Are you in need of college health insurance? Well, if you are currently enrolled at a University, and are a full-time student, chances are you probably already have it. Or, you at least have easy access to acquiring it. Modern-day college health insurance shouldn't cost you much if you're attending college full-time. Hop on the web and see for yourself.

Quick Tips For Keeping Auto Insurance Rates Down

Car Crash

The people the time to shop prices and interest rates a lot of things, but the sad thing is against some Canadian motor not shop enough, and if you're one of them might be too much for car insurance. Keep these instructions to keep the car insurance rates down for the next car purchase and even if it's time to renew your car insurance, you could really back!

1. STORE PRICES

Many people believe that all insurance companies, the price of exactly the same, if it is based on the same coverage from company to company. In November 2006, the study found that premiums between insurers under the same roof ranged from over $ 900. Hmmm kind of shock that I believe that all insurance companies are the same.

Use the Internet to buy their rates, which cn get an online quote car insurance in Canada BOUTIQUE speed and save!

2. Invest in your fancy car insurance

This is called a "multi-vehicle discount" and save 10% on both cars.

3. Include your full insurable items on a single policy

Whenever you include your home with your car insurance, which he called a "multi-line discount." Insurance companies use to get all your business insurance and benefits that save up to five percent more on your insurance costs.

4. Consider increasing your deductible

If compensation is to cover the $ 1000 repair? If you can raise your deductible to $ 500 $ 1,000 and pay less for insurance.

5. Consider removing the cover of a collision with an older car

You should think before doing and see if they can pay for it. However, if you drive an older car that is worth $ 1,000 and your deductible is $ 1,000 in this case, collision insurance does little to help. However, if it would be better, he refused, but talking to an insurance agent first and see.

6. Buy a car, which is considered "low risk" of motor vehicle insurance

If your car is much more likely to be in an accident or theft, you must pay an insurance premium has increased. The car insurance rates to claims history for your car. Before buying a new car, make a few quotes to check and see how rates are determined.

7. When you can, please do not use the vehicle to work

Insurance is higher for the many people who go to work. The concept is all the more you're in your car is running, the greater the risk of entering a major accident. If you can take public transportation or carpooling.

8. Have a safe driving training and defensive

New drivers are listed with the discount if they took a defensive driving course within three years

9. Have anti-theft devices

You can view and what devices they recognize theft insurance can get a discount.

These nine tips to keep your car insurance rates down can help you save on premiums in the long term.

Can Afford To Be A True Insurance?

It is conceivable that one of the easiest ways to get health insurance coverage, is to get the full protection they could afford. The siding to a certain extent is true, and when you have many liquid assets so it's a good proposal to acquire all outstanding for a health insurance plan that person has all the little Little Thing payments for visits to the hospital full dental coverage. However, if you're not a good price range, you might consider getting less policy you can afford and to pay certain medical expenses for you within the budget.

If you are doing business in many ways, which can be expensive to fill and fill, or who wish to review a joint exercise with the therapist or doctor to make sure you have the correct treatment, it is important to get the perfect good is the plan . However, if you are looking for other ways to meet the welfare of prices, you may want to obtain such a plan. For those who are not dependents and not to make regular visits to the hospital for any purpose, I think you really want to complete a medical insurance plan that provides comprehensive coverage. Paying more than the price of your needs for health insurance is generally heavy, so do creatively and realistically, what you really need and whether you can receive the treatment they need without the high monthly fee is a provider of health insurance.

Many people know that a combination of free clinics, and to reduce the insurance coverage, they will be able to get along a lot of money that could have paid much less for insuring overall well-being. It 's a good idea to get protection that can help relieve stress, if not immediately develop a situation that requires pressing treatment. However, it is a good suggestion to look completely different plans that are available, probably because of the plans specifically designed to provide coverage of emergency could also be a much better way than the plan, you may depart from the generally well insured.

Not a good way to apply a different trick with your health care, so be sure this is that if you did not choose the maximum amount of insurance coverage, which you can afford, so you have a plan on how to be of medical benefit, which comes up in the future. Consider the other talent that you would use to get money for the welfare of treatment wishes to remind investment savings account in which to store away money paid for insurance each month. It will help you prepare for everything. Do not forget the only real protection.

Go here now:

High Wind Warning In Eastern Puget Sound

National Weather Service predicted gusts up to 60 miles an hour tonight and Saturday, the eastern lowland Puget Sound, including Bellevue, Gold Bar, Enumclaw, North Bend, and Buckley. The good news is that the bursts, the wind is generally 20 to 30 miles per hour zone.

wet soil and strong winds often damage the tree, here is the ever-popular guide to the winter storm, the most common questions of insurance and storm damage.

Investigation Of Insurance Olympia Ranks As The Safest City In The United States Medium-sized Enterprises In America, A Dozen Other Washington Cities Also Are Doing Well

Farmers Insurance Group has released the seventh annual list of the safest cities in America.

highest score among mid-sized cities: Olympia, Washington and Seattle / Bellevue / Everett, Bellingham, Yakima, Tri-Cities, Spokane, Bremerton, Silverdale, Wenatchee, and Mount Vernon-Anacortes. (Some areas are grouped in one area of statistics.)

How do they decide? Here is what their press release:

The positions, drawn up by experts in the database www.bestplaces.net considered crime statistics, extreme weather, risk of natural disasters, housing depreciation, seizures, air quality, terrorist threats, environmental hazards, life expectancy and job loss numbers in the municipalities of U.S. 379.

Shopping For Life Insurance Online - It 's A Good Idea?

, The net has opened the possibility of cheaper life insurance coverage for all.

In years past, when you look at the life insurance coverage that would probably be called an insurance salesman, an insurance company to meet your favorite, or alternatively go to the local insurance broker. But you probably would not have had the courage to competitive offerings. It 's just not done. You can trust the seller to make a great asset for you and surely thought, life insurance coverage is a remarkable technical and requires specialized skills. All very cozy. All very expensive. How life has changed!

People now realize that life is not that complicated. If on a scale of 1 to 10, buy auto insurance on 9 line charges, life insurance is 7 or 8 he opened the Internet as an environment leader of life insurance limit value. It does not mean that life policies bought on the Internet is by no means substandard. No, you are likely to lead to a policy of one of the companies in the United Kingdom insurance massive as Norwich Union or Legal & General and then they will be exactly the same policy that you could buy anywhere. It's just that the line extreme competition, and efficiency and simplicity of the system means that most online brokers to cut costs and reduce the savings in lower prices.

Oh sure I'll hear you say, 7 or 8 means that life insurance is difficult booster than auto insurance. Yes it is - but it does not mean it is a problem. The life insurance companies online promotion recognize that many customers really feel that some degree of personal recommendation is beneficial and even necessary. They can accommodate this with a mixture of useful info on the site and usually with a short telephone conversation with a life insurance advisor before buying. This reassures and helps ensure you really cover options you need all at all-time low price.

Buying online is certainly an effective idea.

Case Closed: Man Who Claimed $ 33k Tie Collection Was Stolen To Repay The Money, Pleads Guilty

Lynnwood man who said thieves had escaped on several occasions with his collection of more than 200 silk ties has paid more than $ 33.000 and pleaded guilty to two counts of making a false insurance claim.

Under a diversion agreement, the charges dropped from his record if he complies with the agreement.

Wopperer Carlton H., 50, was charged with two counts of insurance fraud in Snohomish County Superior Court in July. Last week, he paid a return of $ 33,370.67 and signed the diversion agreement.

Three times in nine years, said Wopperer thieves had stolen his collection of 212 silk ties in his vehicle. But the study about the Office of the State Insurance Commissioner found that Wopperer had returned to many of these links in a few minutes to buy them.

On January 5, 2009, Wopperer said Mill Creek Police Department that his vehicle was broken while parked in a greeting card store. He said four plastic containers containing 212, silk ties had been stolen. He said he had ties to a quilt shop to see to have sewn a quilt for display.

Wopperer purchased links replacing Nordstrom, Butch Blum, Barneys New York and Seattle Mario, by submitting receipts to your insurer. Your insurance company, PEMCO Insurance, paid $ 33,370 under a provision allowing the cost of replacing the stolen items.

Six months later, June 9, 2009, reported a crime Wopperer very similar. He told the Everett Police Department that his vehicle had been broken into while it was moving. Replacing the 212 tape he had bought after the robbery had been stolen in January, he said. He then filed an insurance claim for about $ 35,000.

But an expert PEMCO, check with retailers, he learned that the majority of links acquired in January was returned almost immediately. PEMCO Wopperer denied the request and reported the matter to the Special Unit for Insurance Commissioner Mike Kreidler research. State investigators interviewed store employees, documented paper trail and referred the matter to the Prosecutor's Office Snohomish County.

(The investigation also revealed that the third requirement. Nine years earlier, June 19, 2000 Wopperer said Lynnwood Police Department that his collection of 212 silk ties had been stolen from his car parked in a shopping center. This time, the insurer has paid compensation to $ 16,900).

Wind Damage And Insurance

High winds hit western Washington Tuesday night, with peaks of 70 km / h in Hoquiam, 62 at Alki Point, 54 and 43 at McChord Field in Puyallup. (Here is a wind map National Weather Service and the list of wind speeds in other cities.)

Power was knocked out of thousands of people, according to the Seattle Times, and there have been felled trees throughout the area: three trees in a brick house in Seattle, the tree dies a mobile home in Kitsap County woman, and in Snohomish County firefighters freed a man trapped in his home a fallen tree.

All this brings us back to a common theme in this time of year, winter storms and insurance. We sent a long list of questions and answers online, including things like:

-Is your car covered if branches fall on him?

- Will insurance pay to clean any debris that the trees in your garden? (Sorry, no.)

-What happens if the boat sank in high sea winds?

- What if the increased killing your TV?

... And much more. Look, if you have questions or problems to the obligation to pay - and you're Washingtonian - call us at 1-800-562-6900. We are a state agency that regulates insurance in the State of Washington, we will do our best to help.