What To Expect After You’ve Had An Auto Accident (or Two)

No matter how many safety features car-makers add to our vehicles, there is still the human element to deal with. Somebody runs a red light, doesn't brake fast enough, or is in too much of a hurry to notice the 18-wheeler in the next lane and an accident is the result. As more and more people get on the road, the odds increase that something will happen to you and your vehicle. Because of that fact, having quality insurance is important, whether an accident (and the resulting ticket) is your fault or not. But what happens when the accident is your fault? What if there are a few accidents and tickets that are your fault? Here's some advice on what to do and what to expect after you've had an accident.

Double-Check Your Coverage
One of the first things you should look into after you've had an accident is what exactly your auto insurance covers. Different policies from different auto insurance providers will cover you against different incidents and for different amounts. Knowing what you're covered against is a good first step to knowing what to expect financially for the future.

Contact Your Auto Insurance Provider
Even after you've exchanged information with whomever you've had an accident with, you should call your car insurance provider to let them know what has happened. While they are sure to find out eventually, calling them allows you to give your side of the story, and being proactive never hurts either.

Work With Your Car Insurance Provider
Depending on the accident, and how many you've had, your car insurance provider may increase your premiums, require you to attend classes about responsible driving, or they may simply cancel your policy. Be aware of these possibilities and be ready to work with your car insurance company to overcome any issues that may present themselves.

Get the Forms You Need
Depending on the severity of the accident, and how many you've had, your auto insurance provider, or the courts, may require that you get certain forms that acknowledge your status as a high-risk driver, or that you don't have car insurance at all. If you have North Carolina auto insurance this form is called a FS-1, and if you have Virginia car insurance it's called a SR-22, but they're essentially the same thing.

Getting Your FS-1/SR-22
Most auto insurance providers will file these for you if either they or the courts dictate that you must have one, however, if you don't have car insurance and you need either the FS-1 or the SR-22, you clearly can't rely on your car insurance company to file them for you. There are typically locations throughout any town or city that can provide the form and file it for you for a fee. Having this form is not a form of car insurance, but more an acknowledgement of your risk status or lack of auto insurance.

Be Prepared
While you can't truly prepare for an accident, being prepared for what happens after you've had one, including knowing what to do, can help save you time and money down the line. If you're a high-risk driver then being prepared for the worst is probably the best idea as it will allow you to be prepared for whatever might come. That doesn't mean, however, that the worst will happen.

About the Author
Christy Winston is a Branch Manager for Insurance Doctor. Insurance Doctor is a leading provider of North Carolina auto insurance and Virginia auto insurance for drivers of all records.

Homeowners Insurance Costs – Cut Your Bill In Half!

Homeowners insurance costs are on the rise and in some areas of the country premiums are astronomical. So how can you whittle your insurance cost down to a size you can afford? Read on ...

1. Switch Companies and Save up to 40%

I know some people who've saved $1,000 and more, and even gotten better service, by simply switching their homeowners insurance from one company to another

There are insurance websites where you can get homeowners quotes from a number of different companies so you can compare rates and choose the best one. Some of the better sites even have an insurance expert on call so you can chat with him or her online and get answers to any questions you may have.

It's fast, it's easy, and it won't cost you a dime. (See link below.)

2. Raise Your Deductible and save 15% to 35%

By raising your deductible from $500 to $1,000 you can save 15% to 25% on your insurance premium. Raising it to $2,500 can save you up to 35%.

Raising your deductible not only saves you money, it saves you from making too many small claims which can cause an insurance company to cancel your insurance.

3. Install Safety and Security Systems and save 5% to 20%

Installing safety and security systems like smoke detectors, fire alarms, burglar alarms, sprinkler systems, security lights, and security doors can save you 5% to 20% on your homeowners insurance costs.

This also makes your home a safer place to live in.

4. Ask for Other Discounts

You may not be aware of all the discounts you're entitled to like senior discounts and non-smoker discounts, so before you purchase a homeowners policy make sure you ask your agent about all the discounts his company offers.

Enabling Health Insurance Exchange Payer Integration

One of most challenging and time-consuming endeavor that States may need to undertake while setting up online health insurance exchanges is building a secure IT infrastructure for exchanging sensitive health and payment data with various state and federal agencies. To ensure that the health insurance consumers have a trouble free insurance shopping experience and do not get weighed down with excessive information submission and data verifications, a system needs to be set up that enables auto-population of all income, citizenship and other consumer specific data to reduce burdens on consumers and insurers.

In the present healthcare model, health Insurance exchange payers' integration can only be made possible through the use of information technology and utilizing the internet as a medium to transmit data. Payers aiming to market their products through the Exchanges to exchanges' projected million strong consumer pool, would need to have an IT system in place that integrates with HIX's internal networks to allow for seamless interchange of data.

Health exchange implementation administrators too need to work cohesively with the payers to draw out and shape a common strategy and vision to set up a robust IT infrastructure. At their end, states would also need to utilize federal resources and establish seamless connections with federal agencies and units such as the IRS, Treasury Department to verify health, income, citizenship and other demographical data to ensure that the data provided by consumers is true and accurate.

To help insurers easily integrate with the health insurance exchanges, some IT firms have designed scalable and affordable exchange connectivity solutions that can be integrated with insurers' internal IT network to facilitate secure and easy data interchange with multiple healthcare participants. A few of these available solutions boast of useful functionalities such as automated plan management that allows insurers to update their plans and benefits simultaneously across different public health insurance exchanges. Some software packages come loaded with automated modules that allow insurers to automatically share and mail SLA agreements to recipients. Insurers may also feel the requirements to regularly update or upgrade their health plans and benefits. Some of these software modules, facilitating health insurance exchange payer integration, significantly simplify the management of plan benefits and rates through automated applications.

Under the PPACA, October 2013 until January 2014, has been defined as open enrollment period for individuals and small businesses to enroll in health insurance exchanges. The insurance exchange business model depends on the effectiveness and smart management of the health insurance exchanges payers' integration, for it to be viable and successful. Insurers looking to market their health products through the public state exchanges or federal exchanges would need to quickly establish a smart IT structure that enables easy data interchange among various healthcare participants, to benefit from PPACA's health insurance exchange model.

Florida Group Health Insurance – Where To Get The Best Rate

Looking for Florida group health insurance? Here's how to get the best rate with an A-rated company.

What is Group Health Insurance?

Group health insurance is the most common type of policy in the United States. Typically, it is a policy that an employer purchases and offers to employees as a benefit. Costs are lower for the insured because the premium rates are lower than for individual policies, plus the employer usually pays part of the premium.

Other groups can also offer group insurance policies, such as fraternal organizations, credit unions, and alumni groups. In addition, self-employed people can be considered a ?group of one? and can qualify for a lower group rate if they can prove they are a legitimate business.

Lowering Your Costs

To save money on group health insurance plans, it?s important that you shop around for the best policy. Rates and features vary widely among insurance companies, so you need to comparison shop.

The easiest way to do this is to go to an insurance comparison website and fill out a simple online questionnaire. You'll receive quotes from multiple A-rated companies, allowing you to match your insurance needs to the best plan for the lowest cost.

You also want to make sure you consider all your insurance options. A variety of insurance plans are available today, from the traditional comprehensive plan we are all familiar with to less expensive variations such as:
* Major medical plans
* Managed care plans including Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs)
* High deductible plans
* Health savings accounts

Check Out the Insurance Company

Finally, before you sign up for any group coverage, make sure the company you choose is legitimate and financially sound. To check out an insurance company, go to your state?s department of insurance website. You can also go to the A.M. Best website () to check a company?s financial stability.

Where to Get the Best Rate