US Health Insurance

US health insurance plans are designed to offer coverage for individuals residing in the US, and who are in need of a flexible medical insurance plan. We, International Service, Inc. offer top quality US health insurance. US or non-US citizens living in the United States for more than a year will greatly benefit from our US health insurance plans. Our USA health insurance plans are designed specifically to provide coverage in times of sudden sickness, illness, or tragedy.

We offer various types of US Health insurance plans. Such plans include: HMO (Health Management Organization) & PPO (Preferred Provider Organization) plans. Some of our US Health insurance plans provide coverage for pre-existing conditions once proven that you have prior creditable coverage. Examples of prior creditable coverage are an employer's group plan, or another individual plan.

Health Insurance in USA - Benefits

Major Medical Health Insurance in USA provides a vast range of benefits and these can include:

• Hospitalization (in-patient) and Doctor's (out-patient) Charges.
• Dental Expenses
• Prescription Drug Expenses
• Surgery & Organ transplants
• Maternity, Pregnancy & Child Birth
• Emergency Medical Need Or Ambulance Services

USA Health Insurance - The Very BEST

We provide USA health insurance plans underwritten by some of the country's best health insurance carriers. Companies like Anthem - Blue Cross & Blue Shield, Assurant Health (Fortis), AIG, Nationwide, and Golden Rule UnitedHealthCare underwrite many of the U.S. health insurance plans. All of the above underwriters of USA health insurance plans have secured good A.M. ratings. and have extensive experience and capabilities in the US Healthcare industry.

Health Insurance in U.S. - Options

Many of our plans covering health insurance in US allow you to choose deductibles ranging from $0 to $5000. You can purchase USA health insurance by fax, over the phone, online, or by mail. Payment is typically accepted in the form of credit card, money order, check, or wire transfer.

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Auto Insurance [The Dead Code]

Bump Up Your Deductible. You can gain instant savings by increasing the deductible you are willing to pay. You may find a $1000 deductible for collision to make more sense and save you a considerable amount of money in the long run.

Receive Discounts. If you park your car in a locked garage, have an alarm system installed, possess an excellent driving history, etc., make certain that your insurer is aware of all of this. Your premium should be adjusted downward to reflect your special security measures you're your superior driving record.

Change Your Coverage. If your vehicle is old, you many want to consider dropping collision coverage. Your comprehensive coverage may also be due for review. Finally, make sure that there aren't pricey supplementary costs being assessed to you such as towing insurance. Your automobile club likely covers towing insurance and vehicle rental insurance; check your member's agreement for duplicate coverage.

Adjust Your Family Status. You may be paying more for your insurance if your policy shows that you are single when, in fact, you are married. Rates are generally less for married couples and for those in their thirties and beyond.

Correct Your Address. Your insurance company may have you listed at the right address, but list you under the wrong zip code. You could be paying a higher premium for living in a "high risk" neighborhood.

In some cases you can save money on automobile insurance by packaging it with your homeowners insurance. Lastly, discuss with your broker whatever other steps you can take to gain additional savings. You may have missed something or you may not be aware of a special program or offer in place.

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Fraud - Auto Insurance Fraud quote

In the United States auto insurance fraud is becoming one of the biggest fraud problems this country is faced with. In this article we're going to discuss some of the more common auto insurance fraud scams and what somebody can do to prevent them.

Today one of the most popular insurance fraud scams involves auto insurance and auto accidents. More specifically, staged auto accidents. These have actually become quite complex to the point where they involve multiple participants. There are many variations of these. We'll cover the main ones here.

First there is what is called the swoop and squat. This scam involves three vehicles. Two are driven by the criminals and the third is driven by the victim. The driver of the "squat" vehicle positions himself in front of the victim. The person driving the "swoop" vehicle pulls ahead of the squat vehicle and intentionally cuts the vehicle off. This causes the driver of the squat vehicle to slam on his brakes and stop short. Usually, the victim can't react quickly enough and rams into the squat vehicle. In the meantime, the swoop vehicle that caused the accident takes off and is never seen again. The victim tells police that the swoop vehicle caused the accident, but because that vehicle can't be located the victim ends up having to pay for the damage and any personal injury claims.

Then there is what is known as the side swipe. This type of accident usually happens at busy intersections with dual left hand turn lanes. The criminal positions his vehicle in the outer left turn lane. When the victim's vehicle drifts into the outer turn lane the criminal side swipes him. To make sure the scheme works the criminal does preliminary surveillance to make sure that the intersection is busy enough where drifting will occur because of the amount of traffic.

Another common auto accident scam is what is known as the Panic Stop. In this scheme the criminal drives a late model car filled with a lot of passengers. The criminal will then position himself in front of the victim and have one of the passengers look out the back window watching to see for any signs of distraction such as answering a cell phone call or changing a station on the radio. Any sign that the victim is taking his eyes off the road. Once this happens the passenger signals the driver who then slams on the brakes thus causing an accident. The victim will claim that the criminal stopped short for no apparent reason but usually to no avail. In the meantime the victim has to pay for all damages and injuries reported.

Unfortunately there is only one way to avoid these type of accidents and that is to be observant at all times and keep a safe distance from any vehicle ahead of you. The sad truth is, if all motorists would just obey the speed and distance laws and rules, accidents like these would never happen. But people drive too fast and too close and thus these type of frauds will always be pulled off. Drive safe and smart and your chances of being the victim of auto insurance fraud will be greatly diminished.

AUTO INSURANCE NEWS & INFORMATION

Introduction to auto insurance quotes in Canada

Your auto insurance is there to protect you against financial loss if you are in an accident. Your auto insurance is, essentially, a contract between you and your insurance company. You pay a premium, and in return, the insurer agrees to pay for any losses as they are defined in your car insurance policy.

Auto insurance and the law

In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.

In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.

The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.
What does auto insurance cover?

Your auto insurance generally provides property, liability and medical coverage:

* Property coverage pays for damage or theft of your car.
* Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
* Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.


Introduction to travel insurance for Canadians

Your bags are packed, you’re ready to go. Months of saving and arranging have gone into your dream trip. Then it happens - every traveller’s worst nightmare - you break a leg, and you’re far, far away from home.

COMPARE CAR INSURANCE QUOTES

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Our online comparison car insurance quoting service helps drivers find the lowest rate on their car insurance by comparing rates from over 30 insurance companies. Quotes are available for drivers all across Canada including Ontario, Alberta, Nova Scotia, New Brunswick, and Prince Edward Island, as well as the United States.

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InsuranceHotline.com does not sell insurance, is not a broker or agent, and is not owned in part or in whole by an insurance company, agent or brokerage. We simply run your driving profile against the same database used by most insurance brokers. The important difference is that we get quotes from over 30 of the top insurance companies in Canada to ensure you are connected with a licensed insurance professional participating in our service that can provide you with the lowest rate available...guaranteed.

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Cash Structured Settlements - Advantages

Structured settlement payout is a source of comfort to those who have been awarded compensation in torts. The defendant or his insurer has to make payments of certain amount of money to victims of personal injury, worker\'s compensation or medical malpractice lawsuits. The structured settlement ensures that the victim has a steady and secure source of income for his entire lifetime or for a certain period.
Cashing In The Structured SettlementThe structured settlement payout may satisfy some people but there are some others who are unhappy to receive modest payouts at regular intervals and would rather receive a lump sum payout. They begin to seriously consider selling their settlement.The most important factor to be considered while deciding to accept money for structured settlement is tax implication. The settlements are tax-free where as lump sum payouts that are invested may have tax liabilities. You need to consult an attorney and find out if it is possible to sell your settlement. They must be free from legal and contractual restrictions. Consulting with qualified experts will help you identify other means to solve your problems. They may also guide you in finding the right buyer and in securing the right price. Consider your needs and determine if you wish to sell in full or sell part of your settlement to fund the financial emergency.You need to be exactly sure of how many payments are due and the total sum of the structured settlement payout. You can use a broker to find the right buyer or get online and get free quotes from various buyers. The structured settlement transfer procedure begins after you have signed an agreement with the buyer. In a matter of a few months you will receive the structured settlement payout subject to court approval.After receiving the payout selling it may seem like an easy job compared to how you will secure the funds. You will be able to lead a comfortable life if you invested the funds prudently. Selling the structured settlement can open up a whole world of opportunities that can change your life forever. Take your time, select a good buyer and get a good price for your structured settlement.