Many people choose to restore, and then display their antique cars at shows; nevertheless, not one owner would ever consider failing to insure their car. There are many companies available that provide and even specialize in antique car insurance as the number of enthusiasts in this area increases. This is good news for the classic car owner who wants a specialist company to look after his insurance as they should have plenty of choice; it also means they probably won't have to pay over the odds for the service.
Mainstream auto insurers are also now able to provide this type of insurance for antique cars; these plans reflect the specialized nature of this type of auto cover and are often called 'collectors auto insurance'. Perhaps more so than a modern car, these policies need to be more precise and an insurance representative will require as much information about the car before he can supply a tailor made quote. Of course just what level of protection you will decide upon will be down to your budget and how much they set the deductible at.
Large insurers may not specialize in antique car cover but there are other benefits; these companies usually have a good reputation as they have been established for many years. The other advantage of this type of insurer is their ability to arrange the protection on any other regular vehicle you own. Often, the cost of an antique car insurance policy is higher with this type of company but many owners feel the extra cost is worth it as they feel much safer knowing the company is well known and has a long history.
It is possible to use specialist auto insurers and often the premium is lower because this is the only type of insurance they provide; they may provide plans with a lower premium but are unlikely to insure any other type of vehicle. With the number of classic cars still around you will not be surprised to learn that even the insurers have, in some areas, specialized even further to provide cover for only one type of car. It is worth doing some research when choosing an independent antique car insurer to make sure they have a good reputation as you will have a great deal of money at stake.
This can be an awkward situation when you have been paying your insurance premium regularly to find the insurance company will not pay out on a claim you have made. You will often find it a tedious process locating an antique car insurance provider; however, the benefits of having proper insurance for the car far outweighs the initial hassle of finding a provider. Many classic cars are considered as works of art that will never be repeated and cannot be replaced, but they are also a considerable financial investment on the part of the owners so must be insured.
Tuesday, July 15, 2008
appeal insurance company to cover aba therapy
Despite the slowing economy and the static job growth in many fields, there is one field that remains in-demand, if not on top. I am not talking about IT or marketing, I'm talking about the medical field. Yes, the medical profession is continuously showing signs of stability and competitiveness to the delight of the medical professionals and the new batch of medical graduates.
Just like in every job, resume is the key to getting a medical job interview. For medical professionals, a resume is like your favorite journal that contains your most current achievements, skills and trainings.
When making a medical resume, keep in mind that you are valued for your service. The way you impact the lives of people through your work is enough to attest to the richness of your character as a worker. However, the employer may not always be able to get that just by screening your resume. It is for this reason that you should see to it that your resume is detailed and well-written.
By detailed, I mean writing about your achievements and trainings, your related work experience and the responsibilities you handled. On the other hand, a well-written resume is one that is error-free and focusing on the things that are relevant to the job being applied for.
The challenge is quite a bundle when you want to choose a career that you are really passionate about and at the same time will give you a good income. It would be very helpful in your job hunting if you have knowledge about the trend in the job market. An elder care specialist is among those new jobs in the coming decade. Nowadays, Baby Boomers are resorting to assisted living facilities that are professionally operated. Unlike the nursing home in the old days, the senior communities are now enjoying luxury amenities that include fine dining, golf courts and live entertainment. In every facility there is a team of qualified elder care specialist taking care of the residents.
Because of the growth trend of the aging population there has been a simultaneous increase in the demand of products and services related to the older population. Two of the many areas that benefit from this trend are the home health care and the nursing homes. Because of this, healthcare is projected to be among the top job that will be in demand in the years to come. There may be breakthroughs in the medical technologies that will come out, but there will always be the need for healthcare services. There will be a problem only if and when politicians will lessen the licensing requirements of medical professionals which may affect the quality of trained people in the industry.
The trend today is that nurses tend to merge what they learned in Western allopathic medical care with alternative care. This alternative care may be yoga, different types of massage, nutritional therapy among others. The alternative care is fast becoming popular and the irony is that the consumers do not mind shouldering the expenses when their health insurance fails to cover the said service. It is but ideal for nurses to be providers of these alternative care since they have enough education relative to the alternative care and they have better judgment as to the safety of combining Western medicine and alternative care.
Just like in every job, resume is the key to getting a medical job interview. For medical professionals, a resume is like your favorite journal that contains your most current achievements, skills and trainings.
When making a medical resume, keep in mind that you are valued for your service. The way you impact the lives of people through your work is enough to attest to the richness of your character as a worker. However, the employer may not always be able to get that just by screening your resume. It is for this reason that you should see to it that your resume is detailed and well-written.
By detailed, I mean writing about your achievements and trainings, your related work experience and the responsibilities you handled. On the other hand, a well-written resume is one that is error-free and focusing on the things that are relevant to the job being applied for.
The challenge is quite a bundle when you want to choose a career that you are really passionate about and at the same time will give you a good income. It would be very helpful in your job hunting if you have knowledge about the trend in the job market. An elder care specialist is among those new jobs in the coming decade. Nowadays, Baby Boomers are resorting to assisted living facilities that are professionally operated. Unlike the nursing home in the old days, the senior communities are now enjoying luxury amenities that include fine dining, golf courts and live entertainment. In every facility there is a team of qualified elder care specialist taking care of the residents.
Because of the growth trend of the aging population there has been a simultaneous increase in the demand of products and services related to the older population. Two of the many areas that benefit from this trend are the home health care and the nursing homes. Because of this, healthcare is projected to be among the top job that will be in demand in the years to come. There may be breakthroughs in the medical technologies that will come out, but there will always be the need for healthcare services. There will be a problem only if and when politicians will lessen the licensing requirements of medical professionals which may affect the quality of trained people in the industry.
The trend today is that nurses tend to merge what they learned in Western allopathic medical care with alternative care. This alternative care may be yoga, different types of massage, nutritional therapy among others. The alternative care is fast becoming popular and the irony is that the consumers do not mind shouldering the expenses when their health insurance fails to cover the said service. It is but ideal for nurses to be providers of these alternative care since they have enough education relative to the alternative care and they have better judgment as to the safety of combining Western medicine and alternative care.
what does general liability insurance cover
When a neighbour embarks on some home improvements, it is not just the noise of hammers and power drills that you need to worry about. According to a survey conducted by Halifax Home Insurance, £173m worth of damage is caused to the surrounding homes every year as a result of neighbours' misguided DIY attempts.
The veritable array of destruction ranges from walls eroding and falling down, to burst water pipes and damage to personal possessions. Some steps can be taken to avoid breakages on a small scale, by removing valuable objects, ornaments and furnishings from harm's way as well as covering furniture with dust sheets and following all safety instructions if you are using the tools yourself. The cost of replacing and repairing damages runs into hundreds of pounds (and unkown costs to good neighbouring relationships!). Research showed that 590,000 failed DIY projects caused some degree of devastation to neighbouring properties.
However, it is not only the DIY efforts of our friends and neighbours that give us a headache, and an enormous bill, but professional workmen and builders are also to blame for causing damage. Although it may be unintentional, the 10% of damage produced by those workers whom our neighbours have paid to construct their loft extensions and conservatories, is rarely compensated for or reimbursed. In the majority of cases the homeowner did not pay the total cost, with 27% of costs being shared between neighbour and homeowner and 32% of the unfortunate and unwitting neighbours having to pay for the full costs of the damage out of their own pockets.
Moreover, the homeowner who has chosen to undertake some DIY will more often than not have to bring in an expert to rectify the mistakes that are, in most cases, an inevitable byproduct of an amateur job. Zurich found that homeowners are collectively paying around £1.5bn annually to amend their DIY mishaps. Around one in six of those who try to save money by endeavouring to carry out the work themselves end up costing themselves a great deal more, with a typical call-out fee coming to £280 in addition to the work needed to repair the initial damage.
Another costly aspect of 'do it yourself' exercises occurs during the aftermath when the homeowner discovers they are not actually covered by their insurance policy for any resultant damage. A majority of 87% admit to performing DIY on their property without making sure that they have the sufficient cover for both the work and any problems that may occur. It is crucial to check the level of accidental damage covered in your policy and clarify with your home insurance provider that any work or structural alterations you wish to make will not affect your policy. Furthermore, if you have moved into a new house which requires work, make sure to verify with your insurer that the building guarantee will not be invalidated by any work you intend to carry out.
The veritable array of destruction ranges from walls eroding and falling down, to burst water pipes and damage to personal possessions. Some steps can be taken to avoid breakages on a small scale, by removing valuable objects, ornaments and furnishings from harm's way as well as covering furniture with dust sheets and following all safety instructions if you are using the tools yourself. The cost of replacing and repairing damages runs into hundreds of pounds (and unkown costs to good neighbouring relationships!). Research showed that 590,000 failed DIY projects caused some degree of devastation to neighbouring properties.
However, it is not only the DIY efforts of our friends and neighbours that give us a headache, and an enormous bill, but professional workmen and builders are also to blame for causing damage. Although it may be unintentional, the 10% of damage produced by those workers whom our neighbours have paid to construct their loft extensions and conservatories, is rarely compensated for or reimbursed. In the majority of cases the homeowner did not pay the total cost, with 27% of costs being shared between neighbour and homeowner and 32% of the unfortunate and unwitting neighbours having to pay for the full costs of the damage out of their own pockets.
Moreover, the homeowner who has chosen to undertake some DIY will more often than not have to bring in an expert to rectify the mistakes that are, in most cases, an inevitable byproduct of an amateur job. Zurich found that homeowners are collectively paying around £1.5bn annually to amend their DIY mishaps. Around one in six of those who try to save money by endeavouring to carry out the work themselves end up costing themselves a great deal more, with a typical call-out fee coming to £280 in addition to the work needed to repair the initial damage.
Another costly aspect of 'do it yourself' exercises occurs during the aftermath when the homeowner discovers they are not actually covered by their insurance policy for any resultant damage. A majority of 87% admit to performing DIY on their property without making sure that they have the sufficient cover for both the work and any problems that may occur. It is crucial to check the level of accidental damage covered in your policy and clarify with your home insurance provider that any work or structural alterations you wish to make will not affect your policy. Furthermore, if you have moved into a new house which requires work, make sure to verify with your insurer that the building guarantee will not be invalidated by any work you intend to carry out.
supplemental medicare health insurance cover spouse
Studies have indicated that a large number of the British population consider their mobile phones to be more important than having life insurance.
It appears as though the technological security provided by a mobile phone is deemed a more valid protection policy than the services provided by insurance companies, such as Norwich Union and Bupa. In the current society, people seem to live in the here and now, not thinking much of what tomorrow holds. In addition, the 21st century champions technological advancements and material possession far more highly than the basic necessities of day-to-day life. People have come to depend on their personal technologies, the most common of which is the mobile phone, and it is the cost of running such a service which they see as being more profitable than paying out money for a policy which they may only require once they are no longer alive.
Children are given mobile phones in case of emergency, mobile phone numbers are rung if something happens and the number of the emergency services is of course free from mobile phones. In this way, people view their mobile as a constant source of life insurance, as it provides them with the ability to be in contact with anyone at any time. Life and pensions company Friend Provident, discovered that 54% of people questioned in its Protection Survey did not have life insurance. Almost seven in ten of the 46% of respondents who did have a life insurance policy, said they would seek professional advice on finding the best cover from either a financial advisor or through media resources or by searching through price comparison websites online.
People's priorities appear to be very different now than they used to be, before the advent of mobile telephones and the internet. By living in a fast-paced, ever-moving and increasingly changeable environment, people are forgetting about making plans for the future and for future generations. They get caught up in the whirlwind of work, school and travel and often lose sight of the most significant aspects of life, such as life insurance. Some participants of the survey went so far as to say that the only way life insurance would win out over their mobile phones would be if the cover on offer were free.
People are prepared to pay out hundreds of pounds on the latest model of phone and monthly bills and line rental, and yet when it comes to their own life, they become flippant and ambivalent. Mark Jones, protection products and actuarial manager at Friends Provident, comments: "Understandably, none of us really want to think about our own mortality, but we do owe it our families to ensure that we have made provision, be it to pay off the mortgage or provide a lump cash sum." Essentially, people must be aware that while a mobile phone serves a purpose in the present it will not magically transform into a nest egg with which to pay medical bills or provide a comfortable future for our children.
It appears as though the technological security provided by a mobile phone is deemed a more valid protection policy than the services provided by insurance companies, such as Norwich Union and Bupa. In the current society, people seem to live in the here and now, not thinking much of what tomorrow holds. In addition, the 21st century champions technological advancements and material possession far more highly than the basic necessities of day-to-day life. People have come to depend on their personal technologies, the most common of which is the mobile phone, and it is the cost of running such a service which they see as being more profitable than paying out money for a policy which they may only require once they are no longer alive.
Children are given mobile phones in case of emergency, mobile phone numbers are rung if something happens and the number of the emergency services is of course free from mobile phones. In this way, people view their mobile as a constant source of life insurance, as it provides them with the ability to be in contact with anyone at any time. Life and pensions company Friend Provident, discovered that 54% of people questioned in its Protection Survey did not have life insurance. Almost seven in ten of the 46% of respondents who did have a life insurance policy, said they would seek professional advice on finding the best cover from either a financial advisor or through media resources or by searching through price comparison websites online.
People's priorities appear to be very different now than they used to be, before the advent of mobile telephones and the internet. By living in a fast-paced, ever-moving and increasingly changeable environment, people are forgetting about making plans for the future and for future generations. They get caught up in the whirlwind of work, school and travel and often lose sight of the most significant aspects of life, such as life insurance. Some participants of the survey went so far as to say that the only way life insurance would win out over their mobile phones would be if the cover on offer were free.
People are prepared to pay out hundreds of pounds on the latest model of phone and monthly bills and line rental, and yet when it comes to their own life, they become flippant and ambivalent. Mark Jones, protection products and actuarial manager at Friends Provident, comments: "Understandably, none of us really want to think about our own mortality, but we do owe it our families to ensure that we have made provision, be it to pay off the mortgage or provide a lump cash sum." Essentially, people must be aware that while a mobile phone serves a purpose in the present it will not magically transform into a nest egg with which to pay medical bills or provide a comfortable future for our children.
insurance company that will cover dog who has bitten
One of the best ways to guarantee an enjoyable vacation is to rent a car from a budget car rental company; the convenience of having a car whenever you need to travel should not be underestimated. The one thing you don't want though is to be lumbered with a car that sounds like your lawnmower. Always be prepared, that is my motto, you do not have to drive a car that should have been scrapped just because you want to save a few dollars on the rental. To avoid this here are a few tips to get the budget, out of your rental car.
If the type of car you want to drive is of no real concern to you, use a budget car rental web site that allows you to dictate your own price level. Do not dismiss this type of sites because they want your business and sometimes offer other incentives like unlimited mileage for example. Look for package deals, fly-drive-stay, or fly-drive, most of these packages give great discounts for rentals, but don't do it with an airline. If you do not need to organize your car rental with the airline, try a company that is outside the airport you will find they are usually less competitive.
There are some excellent budget car rental deals on the internet that can give you a great bargain. Internet only bookings are fast becoming the only way you are able to receive a discount on your car rental. Besides, apart from upgrades, special offers are nearly always available if you look around. Don't forget that the only effort required to find these car rental deals is to logon to the internet, how easy is that.
Sometimes, just when you think you have managed to get a really good deal. You find your credit card company has another surprise when it has organized a discount with the budget car rental company on top of any you have already arranged. Perhaps your frequent flyer program or military service can help reduce the cost of renting a car; it's a long shot but it's worth a try. You would be wise to inspect your rental car before you drive off as you may find minor collision damage from previous renters which you do not want to pay for when you return. In addition, try to check out all the accessories, wipers, radio, brakes, seat belts etc, to familiarize yourself with them, and also to check if they work, like the previous tip, you might be charged for this if you don't inform them.
One other thing to remember is to check your vehicle insurance policy as you will more than likely find that it provides rental car insurance cover so that's another saving. Saving money is the game so why pay for rental car insurance you don't need when renting your car; whatever the case, you must still have insurance cover when you rent a car so don't try and skip it to save money. Another money saving tip is to pick up your car early in the morning, make it so that the firm is just opening, this is because at this time most of the rental cars haven't been returned yet, and you may get an upgrade for a lower price.
If the type of car you want to drive is of no real concern to you, use a budget car rental web site that allows you to dictate your own price level. Do not dismiss this type of sites because they want your business and sometimes offer other incentives like unlimited mileage for example. Look for package deals, fly-drive-stay, or fly-drive, most of these packages give great discounts for rentals, but don't do it with an airline. If you do not need to organize your car rental with the airline, try a company that is outside the airport you will find they are usually less competitive.
There are some excellent budget car rental deals on the internet that can give you a great bargain. Internet only bookings are fast becoming the only way you are able to receive a discount on your car rental. Besides, apart from upgrades, special offers are nearly always available if you look around. Don't forget that the only effort required to find these car rental deals is to logon to the internet, how easy is that.
Sometimes, just when you think you have managed to get a really good deal. You find your credit card company has another surprise when it has organized a discount with the budget car rental company on top of any you have already arranged. Perhaps your frequent flyer program or military service can help reduce the cost of renting a car; it's a long shot but it's worth a try. You would be wise to inspect your rental car before you drive off as you may find minor collision damage from previous renters which you do not want to pay for when you return. In addition, try to check out all the accessories, wipers, radio, brakes, seat belts etc, to familiarize yourself with them, and also to check if they work, like the previous tip, you might be charged for this if you don't inform them.
One other thing to remember is to check your vehicle insurance policy as you will more than likely find that it provides rental car insurance cover so that's another saving. Saving money is the game so why pay for rental car insurance you don't need when renting your car; whatever the case, you must still have insurance cover when you rent a car so don't try and skip it to save money. Another money saving tip is to pick up your car early in the morning, make it so that the firm is just opening, this is because at this time most of the rental cars haven't been returned yet, and you may get an upgrade for a lower price.
health cover private insurance decreasing in australia
Medical professional liability insurance is another name for medical malpractice insurance. There are two types of medical professional liability insurance, claims-made and occurrence policies. There are advantages and disadvantages to each of these types of policies.
Claims-made medical professional liability insurance policies are one year long policies that are renewed each year without interrupting the coverage. Any claims made during the claims-made policy period will be covered, no matter when the incidence actually occurred, as long as the incident occurred after the original purchase of the claims-made policy. This means coverage is retroactive back to the first policy. This type of medical professional liability insurance is cheaper in the first few years of coverage as it is less likely claims will be made in the first few years of coverage. Premiums increase each year up to five years, when the reach the approximate cost of the occurrence policies.
Once a claims made professional liability insurance policy is cancelled, no further claims are covered. However, tail coverage can be purchased to cover any claims that occur for a certain amount of time after cancellation.
Occurrence medical professional liability insurance covers all claims that occur during the coverage period, regardless of when the claim is made. Because there is no way of knowing how many claims will eventually be made due to actions occurring any given year, the premiums for occurrence medical professional liability insurance are not necessarily cheaper in the beginning like they are with claims-made medical professional liability policies. This type of insurance covers the doctor forever against claims that result from the period in which the policy was in effect.
Both of these forms of medical professional liability insurance are very expensive, so there are currently a lot of organizations working on proposals to solve the problem of compensating any patients with legitimate medical malpractice claims without doctors having to pay huge premiums for medical professional liability insurance.
Some of the proposed solutions for the medical professional liability include capping non-economic damages, trying medical professional liability cases in a tribunal system outside of the main court system, use a no-fault system for compensation, using alternative dispute resolution methods like arbitration and medication, and using screening panels to review cases and determine whether or not cases should proceed to court.
Doctors need to have medical professional liability coverage in order to protect them from medical malpractice claims, which could otherwise bankrupt them should they occur. Doctors can lose a lot of money even on medical malpractice claims where they are not at fault, as they have to prove this.
In order to get the best deal on medical professional liability insurance doctors should check around with the different insurance companies to see which offers the best policy at the best price. The cheapest medical professional liability policy is not always the best, as different policies cover different things. Source: Medicalmalpracticeaid dot com
Claims-made medical professional liability insurance policies are one year long policies that are renewed each year without interrupting the coverage. Any claims made during the claims-made policy period will be covered, no matter when the incidence actually occurred, as long as the incident occurred after the original purchase of the claims-made policy. This means coverage is retroactive back to the first policy. This type of medical professional liability insurance is cheaper in the first few years of coverage as it is less likely claims will be made in the first few years of coverage. Premiums increase each year up to five years, when the reach the approximate cost of the occurrence policies.
Once a claims made professional liability insurance policy is cancelled, no further claims are covered. However, tail coverage can be purchased to cover any claims that occur for a certain amount of time after cancellation.
Occurrence medical professional liability insurance covers all claims that occur during the coverage period, regardless of when the claim is made. Because there is no way of knowing how many claims will eventually be made due to actions occurring any given year, the premiums for occurrence medical professional liability insurance are not necessarily cheaper in the beginning like they are with claims-made medical professional liability policies. This type of insurance covers the doctor forever against claims that result from the period in which the policy was in effect.
Both of these forms of medical professional liability insurance are very expensive, so there are currently a lot of organizations working on proposals to solve the problem of compensating any patients with legitimate medical malpractice claims without doctors having to pay huge premiums for medical professional liability insurance.
Some of the proposed solutions for the medical professional liability include capping non-economic damages, trying medical professional liability cases in a tribunal system outside of the main court system, use a no-fault system for compensation, using alternative dispute resolution methods like arbitration and medication, and using screening panels to review cases and determine whether or not cases should proceed to court.
Doctors need to have medical professional liability coverage in order to protect them from medical malpractice claims, which could otherwise bankrupt them should they occur. Doctors can lose a lot of money even on medical malpractice claims where they are not at fault, as they have to prove this.
In order to get the best deal on medical professional liability insurance doctors should check around with the different insurance companies to see which offers the best policy at the best price. The cheapest medical professional liability policy is not always the best, as different policies cover different things. Source: Medicalmalpracticeaid dot com
georgia requires insurance cover dental children
Fortunately for anyone thinking of buying a yacht, insurance companies are becoming more flexible with their policies; however, it can be confusing for someone trying to look for cover. The problem occurs because each insurance provider wants to include features that are unique to them; until the right policy is found, the vessel remains uninsured. Detailed below are some pointers which you should consider.
A strong financial record is a necessity if you want to be assured about your own position; yacht insurance arranged with a company with a poor financial record will render it useless. The easiest way to do this is by locating marine insurers of marine vessels online; these are generally the ones with a good base of policy holders and are financially stable.
There may come a time when you need to claim on your policy; just how speedily the customer services department reacts is a reflection of how the company treats its 'valued' clients. To help ensure this is not the case, search for a marine insurer that has many outlets; this should include emergency services, agencies and helpful representatives to serve you in times that you need them the most.
Reputation is often hard won and important to any business; looking through online testimonial pages or searching for complaints about claims that have been handled poorly should help. Each person will have specific ideas about what they want covered with their policy; do not use an insurance provider that only has limited options available.
The type of yacht insurance policy required is based on the ability of a company to provide services at a reasonable cost; never use the low cost of a premium to influence your decision. There are more intricacies involved with marine policies than other types of cover; finding a company that you feel comfortable looking after your best interests is not always a simple process. Focusing on the few very important things mentioned above can help narrow down your choices of yacht insurance provider.
Focus on the most important aspects to reduce the list of potential companies; it is far easier to look at all the tiny details when you have made a short list for yourself. Doing this will help you save money, time and effort; based on sound advice the right marine insurance company will supply the policy looking after your boat.
A strong financial record is a necessity if you want to be assured about your own position; yacht insurance arranged with a company with a poor financial record will render it useless. The easiest way to do this is by locating marine insurers of marine vessels online; these are generally the ones with a good base of policy holders and are financially stable.
There may come a time when you need to claim on your policy; just how speedily the customer services department reacts is a reflection of how the company treats its 'valued' clients. To help ensure this is not the case, search for a marine insurer that has many outlets; this should include emergency services, agencies and helpful representatives to serve you in times that you need them the most.
Reputation is often hard won and important to any business; looking through online testimonial pages or searching for complaints about claims that have been handled poorly should help. Each person will have specific ideas about what they want covered with their policy; do not use an insurance provider that only has limited options available.
The type of yacht insurance policy required is based on the ability of a company to provide services at a reasonable cost; never use the low cost of a premium to influence your decision. There are more intricacies involved with marine policies than other types of cover; finding a company that you feel comfortable looking after your best interests is not always a simple process. Focusing on the few very important things mentioned above can help narrow down your choices of yacht insurance provider.
Focus on the most important aspects to reduce the list of potential companies; it is far easier to look at all the tiny details when you have made a short list for yourself. Doing this will help you save money, time and effort; based on sound advice the right marine insurance company will supply the policy looking after your boat.
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