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Aggressive Driving

Aggressive driving is a major factor in U.S. traffic accidents, playing a role not just in well-publicized incidents of road rage, but in a large number of fatal highway collisions each year. The National Highway Traffic Safety Administration (NTHSA) defines aggressive driving as occurring when “an individual commits a combination of moving traffic offenses so […]

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Motorcycle Insurance

Motorcycle Insurance Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your […]

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Does My Homeowners Insurance Cover Guns?

As hunting season approaches, it is a great time to be sure that you have the appropriate amount of insurance for your firearms in case of a loss or an accident. Do you have coverage for them with your homeowners insurance? Do I need some other type of coverage? Hunting Rifles and Other Firearms Are […]

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Buying a New Car or Truck? Consider Auto Insurance Costs and Protect Your Loan When Trading Up

Many drivers are looking at their old cars and trucks in the rearview mirror as they drive new vehicles off car dealership lots in record numbers. Last month U.S. auto makers recorded their best sales month in nearly five years, and automotive experts think the trend will continue. New cars don’t leave the showroom unless […]

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Deer in the Headlights: Don’t Be Caught Without Comprehensive Auto Insurance

Fall is peak season for deer and auto collisions and that means drivers along the nation’s roadways need to be especially vigilant, according to theInsurance Information Institute (I.I.I.). Deer migration and mating season generally runs from October through December, and causes a dramatic spike in the movement of deer population. As a result, more deer-vehicle […]

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Health Care Reform and You: Your Basic Rights and Responsibilities Under the New Law

The Patient Protection and Affordable Care Act (PPACA, or ACA) is a federal law that was passed in March 2010 in order to give more people access to affordable health care coverage and medical care. Many of the most consequential provisions of the ACA will take effect beginning in 2014, with far-reaching consequences for consumers, […]

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Distracted Driving

Activities that take driver’s attention off the road, including talking or texting on cellphones, eating, conversing with passengers and other distractions, are a major safety threat. Beginning with 2010 data, the National Highway Traffic Safety Administration (NHTSA) revised the way it gauged distracted driving, introducing a narrower measure called “distraction-affected crashes,” which focuses on distractions […]

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Insurance Fraud

AUGUST 2013 Property/casualty insurance fraud amounts to about $32 billion a year, according to industry estimates. Questionable insurance claims rose by 16 percent from 100,201 in 2011 to 116,171 in 2012, according to the National Insurance Crime Bureau (NICB). The NICB estimates that Hurricane Sandy generated about 250,500 claims for damaged vehicles, mostly damaged by […]

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Auto Insurance

COSTS AND EXPENDITURES The average auto insurance expenditure dropped from $818 in 2006 to $791 in 2010, according to a January 2013 report from the National Association of Insurance Commissioners. In 2010 (the latest data available), the average expenditure was highest in New Jersey ($1,157), followed by the District of Columbia ($1,134), and Louisiana ($1,122). […]

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Be Prepared: Four Tips to Protect Coastal Residents This Hurricane Season

NEW YORK, July 17, 2013 — With the National Oceanic and Atmospheric Administration (NOAA) forecasting an active Atlantic hurricane season, and the busiest storm period less than a month away coastal residents should take steps now to prepare for extreme weather, according to the Insurance Information Institute (I.I.I.). The I.I.I. suggests the following tips to […]

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