While the push for universal healthcare is not quite there, it is important that every person have health insurance.  Having even basic health insurance can protect you from unanticipated health bills.  Even if you have a job that doesn’t provide health insurance, you can still get it at an affordable rate.  PoliSeek will help you to find the best health insurance at an affordable rate to meet your needs.  We partner with many different providers to ensure we are giving our customers the best possible prices.  Our health insurance products include:

 •            Insurance for individuals and families
•             Short term disability
•             Health savings accounts (HSA)
•             Prescription drug discounts
•             Student health care
•             Short term health insurance 

Not having any health insurance can leave you finically liable in the event you should incur a medical expense.  When bills add up because of medical problems, this puts stress on you and your family.  The number one cause of bankruptcy in the United States is due to medical related expenses.  If you are in need of health insurance, contact one of our health insurance specialists at http://PoliSeek.com . Call 866-540-7335 or request a free quote at http://www.poliseek.com/health-insurance .

Owning a motorhome is a great way to travel and see the country. You have the freedom to go where you want and stop where you want even if there are no hotels or other accommodations available. New motorhomes can be expensive; however, so buying a new one isn’t always possible. When this is the case, some people will turn to converting an old bus into a motorhome. 

People convert buses into motorhomes for all types of reasons. Some do it for camping and hunting, while others do it so they can travel more comfortably. The one thing they all have in common is that it can be difficult to insure these converted vehicles, especially if the bus being converted is more than 20 years old. If this is the case for your bus, you may be required to have a mechanic inspect it to verify that it is safe and operational. Older vehicles do not have the safety features or reliability of current models, so insurance companies are especially cautious. 

The best thing you can do if you have converted or are thinking about converting a bus into a motorhome is talk to your insurance company. PoliSeek is available to discuss your bus conversion insurance needs and provide you with a free quote based on your unique circumstances.

A multi-car discount is offered by virtually all auto insurance companies.  It applies to all coverage on the policy and may save you between 10% and 20% off of your premium.  The basic requirement is that there must be more than one vehicle insured on the same policy.  Other requirements vary by company and may include:

1.  The vehicle is owned by and principally operated by the policyholder or a member of his/her family.

2.  The vehicle is garaged (kept) at the same address as the other vehicle.

3.  The qualifying vehicle is not a trailer.

There are even some carriers that will give the discount if one vehicle is a home and the other is garaged at college with a child of the policyholder.

As the definition of “family” changes in our society the insurance industry has reacted.  It has been seen where companies which previously required ownership of both vehicles by the policyholder abandon this rule and permit a multi-car discount when two adults are living together, both with their own vehicle.  In the past, not only would they not get the discount, it was difficult to find a company willing to insure them on the same policy.

While much the country is still enjoying summer like conditions, a few states in the west have already received their first snow fall of the year. So far snow has only been seen at higher elevations and drivers have not yet had to face adverse conditions. However, snow in the mountains means that it won’t be long before most of the country has to deal with winter driving and getting their car ready for snow.To help you better prepare, here are some car maintenance tips and winter driving considerations.

Car Preparation Tips

• Before the snow falls, check your tires. Ensure that you have proper tread. Also, if you have summer tires, put on your winter tires, or change to all season tires.

• During the winter, make sure you always have at least a half a tank of gas in your car. This can help it to start up more easily in the morning and can also keep you safe if you get stranded. If you get stuck and have to wait for help, your car is your source of heat.

• Change your windshield wipers and check fluid. If your windshield wipers do not clear your window appropriately, it can make it difficult to see. Also, making sure that you have windshield wiper fluid specifically for winter can help to melt ice and frost that builds up on your window.

• Always have a phone charged and readily available in case you should get stuck and need to call for assistance.

Winter Driving Tips

• Drive slower. Leaving more room between you and other cars is essential because snow makes roads slippery and you will not be able to stop as fast.

• Learn the capabilities of your car. Know how to handle your car if it is front wheel, all wheel, or rear wheel drive. Also be aware if your car has anti-lock brakes (ABS). Understanding your cars capabilities will better help you to avoid accidents.

• If your car does not have daytime running lamps (DRL) turn your headlights on when driving to increase your visibility to other drivers.

When it comes to car insurance, many people wonder what the basic components of a policy are, and what they mean. A car insurance policy is made up of six basic coverages. Each meets a specific need, and some coverages are legal requirements in some states. The main components are:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP)
• Collision
• Comprehensive
• Uninsured/Underinsured motorist coverage

Bodily Injury Liability
This covers damages that you cause to external people (not yourself or passengers) in an auto accident. It will pay for items such as medical bills and lost wages.

Property Damage Liability
This covers damages that occur to property such as the other person’s car, fences, buildings etc. Anything that is over the limit will be out of pocket expenses.

Personal Injury Protection (PIP)
PIP covers and medical expenses or lost wages for you and the passengers in a car. This coverage will also protect you if you are borrowing a car and happen to get into an accident, or even if you are pedestrian and are struck by a vehicle. This coverage is required in 16 states, so you will need to check with your carrier to make sure that you meet the minimum state requirements.

Collision
This covers accident-related damages to your own vehicle. Though it is not required by any state, your bank may require it if you are financing your car. This is to ensure that the bank can receive their money in the event of an accident. Once your car is paid off, you can drop this coverage, if you decide that the value of the vehicle is not high enough to warrant maintaining the coverage.

Comprehension
This covers damage to your car that is not accident related. Theft, vandalism, natural disasters and collisions with animals fall under this coverage. Depending on your state windshield replacement can be covered under comprehension as well.

Uninsured/Underinsured Motorist Coverage
This is required in many states and covers you if you are involved in a hit and run accident or if the driver of a car that strikes you has too little or no insurance to cover your medical expenses. In the case of an underinsured motorist, their insurance will pay for medical expenses up to their limit, and then your insurance company will pay for the rest under your underinsured policy.

While it is only necessary to have the basics for car insurance, agencies do offer many other types of coverages and riders to protect against all types of damage. For more information about the basics and add-ons, contact a Poliseek representative today. For more information or to request a free quote, please visit the Poliseek free insurance quote page.

 
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Do you plan on taking a road trip to Mexico this summer and driving your own car? If so, you will need to purchase Mexico vehicle insurance. Mexico will not recognize your current policy as sufficient when traveling in the country. Without this very specialized insurance, your car will not be covered if it is damaged or stolen. Worse yet, you and your car could be detained or jailed in the event of an accident.

Poliseek.com offers many types of coverage to make sure your car is insured in Mexico. The coverages are broken down into the amount of time you need a policy for. The coverage’s offered include:
• Daily policies
• 6-12 month policies
• Policies to cover the exact duration of your trip
• Longer policies or ones for frequent or unpredictable trips in and out of Mexico

Our coverage’s are not just for vehicles. We offer Mexico insurance for motorcycles, recreational vehicles and watercraft. To make sure your vehicles are protected on your next trip to Mexico, be sure to contact the insurance specialists at http://www.poliseek.com/mexico-vehicle-insurance.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Personal effects coverage is insurance covering the loss of personal property from a rented car. This is a very important type of coverage for several reasons. When renting a car, people often do not take into account their personal belongings and do not realize that items such as cell phones, children’s toys and luggage will be all lost if their rental car is stolen or damaged.

Your individual car insurance may not cover loss of property resulting from damage or theft involving a rental car. That’s why it is very important to understand the individual components of your rental agreement and ensure that personal effects coverage is part of the rental insurance coverage. If it is not part of the rental insurance, is it a component that can be purchased separately?

Also, most homeowner’s insurance policies will not cover anything that is stolen or damaged outside of the home, so it is still important to shop around and find the best personal effects coverage before going on that long trip to the other side of the U.S. or out of the country.

Some homeowners policies or renters insurance do cover items stolen from the car, minus your deductible. The best thing to do is to contact your insurance company and ask for the specifics on your policy. The cost of personal effects coverage when purchased separately can differ depending on the individual’s credit and driving history and in some cases can even be denied. This is why planning is of the utmost importance prior to renting your car.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

If you’ve ever been in an accident you know that it can be a traumatizing experience. Knowing what to do can really come in handy. Don’t panic. Try to relax and stay calm. The first step is to make sure everyone involved is ok. After you’ve done that and called the police, you’ll need to file a claim with your insurance company. Here are some things you should know if you ever need to file a claim:

* You are required by your policy to report any accidents to your company; even if it is not your fault. Chances are they will find out anyway; whether it is from the adverse party’s company or from your motor vehicle record. You may also be required, depending on your state, to report the accident to the Department of Motor Vehicles.

*Before reporting your claim, try to have as much information at the ready. Your insurance company will need to know who was involved, where it happened, how it occurred and any other pertinent information. Also make sure to have your vehicle information at hand and any information from the police department or witnesses.

*Make sure to know how much time you have to submit a claim. Some companies have different statutes of limitations, so be sure to know the timeframe in which you can file a claim.

*Cooperate with your insurance company in their investigation. Give a recorded statement with as much detailed information as possible. Be sure to disclose any injuries that may have resulted from the accident.

Once the claim is file and liability has been determined, the at fault party’s company will take care of your damages. If the other driver was at fault, you’ll have the option of whether to let their company repair the vehicle or have yours do it and get reimbursed. Whichever way you go, remember that you can choose the shop of your choice. You are not required to go to the insurance company’s recommended body shop; although they might lead you to believe that. Whatever shop you choose, make sure you get a written guarantee for the repair work.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Hopefully you’ll never be required to have an SR-22 filing. An SR-22 is not a type of insurance, but rather documentation proving you are insured. Typically, a driver is required to have an SR-22 filing if they have been a habitual offender of traffic offenses, been convicted of a DUI or been caught driving without insurance.

An SR-22 filing is proof that you carry the required insurance for your vehicle and if sought, must be filed with your state’s Department of Motor Vehicles. SR-22 requirements and procedures vary by state. If you are required to file one, you must receive it from your insurance company. However, not all companies issue them. And if they do issue them, they may not issue one to you. Each company can use its own discretion to whom they decide to issue these SR-22’s to.

There are a few states that do not require an SR-22 filing. They are Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania. However, if you have an SR-22 and move to one of these states, you’ll have to continue to meet the requirements from the state where the SR-22 was issued. If you are required to have an SR-22 filing, you don’t have to carry it on you at all times. Since it must be filed with the State’s Department of Motor Vehicles, it is on your record, which is accessible to all law enforcement.

Hopefully you won’t have to file for an SR-22, but if you do, check here for some good rates.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Airbags are designed to save lives. When a vehicle is involved in an accident, sensors automatically measure the impact. If the crash is severe enough, these sensors will send a signal that inflate the bags and cushion the occupants. This all happens in a fraction of a second.

Although airbags are designer to prevent and limit injuries; there have been instances where an airbag has injured occupants. Most injuries caused by airbags are minor scrapes and bruises. In an effort to reduce injuries arising from airbag deployment; the Federal government started allowing manufacturers to reduce the energy of force in which frontal airbags are employed, without sacrificing the effectiveness.

There are certain measures a motorist can take to avoid an airbag related injury. For drivers, it’s recommended to sit with your chest at least 10 inches away from the center of the steering wheel. However, as technology advances, manufacturers are developing new airbags that sense where the driver is sitting and deploy accordingly. If the driver is sitting closer than 10 inches, the airbag would deploy with less force. If you have an older vehicle without this feature, you can purchase pedal extenders which would allow you to sit a bit further away from the steering wheel.

It is also important when traveling with children and infants to take extra precautions to reduce their risk of being injured by an airbag. Never sit your infant, especially with a child seat, in the front. This would put the infants head too close to the airbag, possibly resulting in an unnecessary injury. Rear seats are always best for children and infants. If for some reason you are traveling with many children and one must sit in the front; make sure the oldest child is the one sitting there. Have the child sitting in the front sit with the seat as far back as possible.

Airbags are safety measures that have saved so many lives over the years. To be extra safe, make sure to follow these recommendations next time you get in your vehicle.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.