Hello all,

United States citizens have about 130 million pets. Veterinarian Debbye Turner states that pet insurance reduces incidents of "financial euthanasia." This occurs when pet illness or injury results in unexpected and unaffordable veterinarian costs to a pet owner and leads to a decision to put a suffering pet to sleep. Although more popular in European countries than in the U.S., pet insurance companies are growing in the states and offer different types of coverage against the financial risk associated with caring for a sick or injured pet.

Market the business in pet and animal publications. Print professional business cards and brochures that you can post on local cafe and library community boards. Get permission to leave brochures with veterinarian offices. Pet stores are also a great place to leave brochures. Talk with pet store owners to obtain permission to conduct free in-store information sessions about pet insurance options.

Thanks and Regards
Stephen Moore



Homeowners Insurance – South Florida

Hello all,

The Equal Status Act of 2000 allows for different motorists to be charged different rates for the same coverage. Factors such as the age of the driver, the size and age of the car, and the driver's accident history are taken into account when determining rates.

As younger drivers are statistically more likely to get into accidents, they usually cost more to insure. Smaller, less powerful cars are usually cheaper to insure. If you live in a big city where damage is more likely to occur to your car, you may also be charged more.

Thanks a lot
Stephen Moore


Auto Insurance Companies

Hello all,

Every year you renew your car insurance like you have always done. The renewal process is usually fairly automatic, without a care unlike getting new car insurance. Yet, why not care about your car insurance renewal and see if you are covering all your basics such as saving money and having adequate coverage?
Take these steps to make sure everything is in order with your car insurance.

1.Act within one month's time of renewing your car insurance policy. Canceling your current insurance company, if you decide to, occurs without penalties or fees if done at the time of renewal. However, make sure you have your new insurer in place before canceling the old one.
2.Collect all your information regarding your recent insurance bill or renewal notice about your policy. Look over your coverage and cost. Note if you get a discount for renewal with the same insurer. Other information to have on hand is driver's license number and vehicle registration.
3.Save time by picking the top three auto insurance companies and make calls to them about your consideration of canceling your old company in hopes they can give you a better offer. Apply and note all three offers.
4.Decide if one of the three new offers are lower than your current insurer's renewal quote. If one of the new ones is lower, call your current company and ask them if they want to make a better offer than the new insurance company bid. If your old company makes a better offer or matches it, stay with them because it is easier all around.
5.Be ready to inform your current insurance company that you will cancel the policy if they can't give you the offer you want and that you are going to a new company. Make sure when you cancel, you have the new policy in place already. You never want to be without coverage.

Thanks a lot
Stephen Moore


Car Insurance

Hello friends,


If you were involved in an auto accident and the other driver was at fault, you may be entitled to compensation for property damage, personal injury, pain and suffering, lost wages, and in the case of a permanent injury, loss of future income and earning capacity. You should make a claim with the at fault driver's insurance company, but if you are not satisfied with what they offer, you may elect to sue, in which case you will need to retain a personal injury attorney.

Thanks and Regards
Stephen Moore



Auto Insurance

Hello all,

The Diana Fink Central Insurance School offers two types of general lines courses for becoming licensed to sell car insurance in Florida. Students with one year of documented insurance responsibilities as a licensed customer representative or limited customer representative may take a 40-hour course. A 200-hour prelicensure course is available for unlicensed students with no previous experience.

The school is owned and operated by Diana Fink, a licensed insurance sales professional and Insurance Woman of the Year award winner, with almost 40 years experience in insurance sales and government work. Continuing education courses are available online and at the Clearwater campus.

Best Regards
Stephen Moore


http://www.freedominsurancefl.com

Hello all,

The Diana Fink Central Insurance School offers two types of general lines courses for becoming licensed to sell car insurance in Florida. Students with one year of documented insurance responsibilities as a licensed customer representative or limited customer representative may take a 40-hour course. A 200-hour prelicensure course is available for unlicensed students with no previous experience.

The school is owned and operated by Diana Fink, a licensed insurance sales professional and Insurance Woman of the Year award winner, with almost 40 years experience in insurance sales and government work. Continuing education courses are available online and at the Clearwater campus.

Best Regards
Stephen Moore



freedominsurancefl.com

Hello friends,

Insurance companies offer many types of coverages with varying premiums, depending on the state where you reside. You may require homeowners insurance for the safety and security of your property and its contents, or injuries sustained by anyone on your property. When shopping for homeowners insurance you should make sure to compare the kinds of coverage offered by different companies. Here are some guidelines that can help you to save money on premiums.

1.Go online and search for insurance companies that offer homeowners insurance. You will find several that are located in your state.
2.Decide what kind of coverage you are looking for. The replacement costs for your home and its contents work as decisive factors in assessing this.
3.Get contact numbers for the different companies. Talk to your local agents and seek their advice on the type of policy you should buy to get maximum coverage. Ask for the cheapest insurance quotes available for such a policy.
4.Compare the policy coverage based on your home location. For example, if you live in an earthquake or flood-prone area, your homeowners insurance should provide that coverage. The premium for that specific type of incident will likely be somewhat expensive.
5.Examine the coverage based on the quality and type of your home's construction. For example, if you live in a stone and brick home in Florida you may want to consider buying a cheaper policy as the likelihood of damage from forest fires, floods or tornados is less.
6.Evaluate the policy based on the age of your building. If your home is newly built, you will require lesser coverage since things such as heating and ventilation should be of better quality compared to an older property.
7.Play with the deductibles. There is a good possibility of reducing your premium by allowing an increase in the deductibles. Be sure to ask for any discounts that an insurance provider might offer.

Thanks and Regards
Stephen Moore



Homeowners Insurance

Hello friends,

If you drive a car, you are required by law to carry some type of insurance on it. The price you pay for this can vary a lot between companies and also among several other factors in your actual policy. Though car insurance is mandatory, you do not have to pay a fortune for it. The following are several ideas to help you find the cheapest possible car insurance.

Gather all of your paperwork. You will need to have the year, make, model and VIN (vehicle identification number) of the car. In addition, you are required to have a driver’s license, an address and phone number, work information (such as name, address, mileage driven and type of work) and any financial (loan) details if there is a lien on the car. If you presently have car insurance, get a copy of the policy for comparison. Use pen and paper to make notes about the various companies.

Best Regards
Stephen Moore


Car Insurance

Hello friends,

Business liability insurance protects a business in the event that a client or customer files a lawsuit against it. This kind of insurance typically covers monetary damages and legal fees.
The purpose of business liability insurance is to protect an individual in the event he or she is sued by a client or customer. Most small businesses operate as either a sole proprietorship or a partnership. This business structure does not provide protection for an individual's assets. In the event a client brings a suit against the business, the owner's personal assets are at stake. Corporations and some limited liability corporations (LLC) provide protection for the owners, officers and directors. This protection is not guaranteed, however. Officers and directors of corporations can be sued if there is perceived negligence, if they sign a personal guarantee for a loan or if they do anything illegal. Each company and situation is unique. Small business owners must carefully weigh the choice of purchasing business liability insurance against various risk factors.

Thanks and Regards
Stephen Moore


Auto Insurance – South Florida

Hello all,

If you were involved in an automobile accident you need to understand your legal options. For example, if you are unable to come to a settlement with the insurance company of a driver who caused an accident in which you are involved, you may wonder how to bring a lawsuit that includes the driver's insurance company. There are specific procedures you need to follow to ensure that the court has jurisdiction over the car insurance company in question.

Request that the clerk of the court arrange to have the driver you are suing served with a copy of the petition together with a summons. The summons is a legal document advising the defendant of what she needs to do to respond to the petition. Serving the defendant brings the defendant's car insurance company into the case, again because of the provisions of the insurance policy and the applicable civil law in your state.

Thanks and Regards
Stephen Moore

Auto Insurance Companies

Hello Community,

One of my friends wants to become Insurance Agent; he is very smart,intelligent and also have good communicational skills. What are the other qualities which can help him to become an Agent? Please give some ideas on it.


Thank you in advance,
Stephen Moore

Auto Insurance Companies

Hello friends,

Generally producing lower but more secure returns, cash investments are a foundational link in the investment chain. Cash investments are excellent for investors looking to make guaranteed but modest returns with little risk to their initial capital.
Look no further than your standard savings account to grasp the fundamentals of cash investing. Checking and savings accounts are one of the most basic types of cash investment, offering a guarantee on your principal in exchange for a modest interest rate.
Ask your financial advisor or bank about investing opportunities in money market mutual funds. These funds specialize in earning investors money in short-term debt instruments, and they are generally regarded as one of the safer ways you can invest your cash.

Thanks and Regards
Stephen Moore

Hello friends,

Carrying car insurance is required in every state. It is never free but the good news is there are ways to find the cheapest and best insurance that meets your budget. The following will help you in your efforts in finding the car insurance for you.
Auto Insurance is a mandatory product and since it is to be renewed every year, it is important that you get the best auto insurance rates. We will help you get cheap and affordable auto insurance quotes by sharing your requirements with top insurance companies.

Most of us are very passionate about our cars and we love taking good care of it. Car insurance can be extremely useful in case any damage is caused to your car and the expenses incurred in repairs are high. We have an efficient way to get you the best auto insurance quotes.

The process is very simple; you input your car details and based on them we will have the best car insurance rates sent to you. In 3 easy steps, you can get the cheapest car insurance policy and in the process you save your hard earned money. With so many companies to choose from, doing a check for all the car insurance policies can be quite a task.


Thanks and Regards
Stephen Moore

Hello friends,

When it comes to shopping for an auto insurance provider, it becomes apparent that not all of the policies are created equal. Some insurance companies will approve your claims with great speed and efficiency, whereas some may get on your nerves with a series of questions and paperwork before getting your claims processed. It's important to compare car insurance companies to get an overall idea of their market reputation, credibility and accountability.

Compare ratings between different companies to get an overall view of their reputation. Organizations such as A.M. Best provide ratings and analysis of insurance providers. These ratings are comprehensive and provide up to date information on each company's track record including strengths and weaknesses, coverage options and claims handling. You can also visit Standards & Poor's or Fitch ratings for more information. (See Resources, below.)

Compare the reviews of customers and policy holders. J.D. Power and Associates is one of the oldest names in customer views and reviews. Search for the company from which you wish to buy your policy. Then, go through the reviews posted by policyholders and customers to determine whether or not they are satisfied overall with the insurance company and its services. Similarly, search for other providers you might consider and compare the reviews.

Thanks and Regards
Stephen Moore

Hello friends,

Should You Just Ignore A Collection Agency If You Have No Money To Pay?

Thanks in advance
Stephen Moore

Hello everyone,


All insurance adjusters working the state of Florida must be licensed by the state's Department of Financial Services. Applicants must complete a licensing procedure and usually sit an examination, before they're free to work in the state. Florida recognizes three different classes of adjusters: public, company and independent.
Complete an apprenticeship. This is only necessary to apply for a public adjuster license. You must work under the supervision of a licensed All Lines Public Adjuster for a minimum of 100 hours a month for 12 months. You must then submit an employment report signed by your supervisor, at the time you apply for your license.
Complete the application for a license. This can be located and completed o line, and must be submitted with the appropriate fee. There's a link to the online license form in the resources section below.

Thanks and Regards
Stephen Moore

Hello friends,

I am Stephen Moore just joined the forum I've been looking in the background for a while but decided I'd better sign up! Hopefully find some interesting stuff out.

Thanks and Regards
Stephen Moore