Below are common renters insurance myths and truths:
Myth: A landlord’s insurance policy will cover a renter’s personal belongings in the event of fire or theft.
Truth: While a landlord’s insurance policy will likely cover the dwelling and infrastructure of that dwelling, that coverage typically does not extend to the possessions owned by the renter.
Myth: Renters insurance is expensive.
Truth: On average, renters insurance costs less than $20 per month.
Myth: Renters insurance coverage is limited.
Truth: A renters insurance policy typically provides coverage for the loss or destruction of personal belongings in the event of a covered peril such as:
Renters insurance may also provide coverage if:
Based on Nationwide claims data, the following were the most common renters insurance claims submitted by its members in 2017:
Learn more: http://bit.ly/2B9oHG0
As soon as we arrived in Winchester in 2007, I realized that there was a need to guide the Hispanic community when it came to insurance. I had some knowledge of the benefits and how they worked, but the reality was that I had a lot to learn. I decided to investigate a little more about the types of insurance, and I realized that there was no company that took the time to guide me and help me make a good decision.
Then, TJC Insurance was born. I wanted to focus on helping, not just selling insurance; to help in the claims, not only in transferring to the company; in helping you choose the best benefits, not just include what the insurance agent wants. Results, one of the best experiences I've had in my life. I have managed to grow in knowledge and experience in the world of insurance, I have been able to help many families and at the same time, I have been able to provide for ours.
Today 10 years later, TJC Insurance offers insurance in Virginia, West Virginia, Maryland, Pennsylvania, DC, North Carolina, South Carolina, Georgia and Florida.
Drive to the savings ... Discover your benefits!
Now from National General
Why You Need Small Business Vehicle Insurance?
Insuring your company cars and specialized trucks and vans is no small matter. Should an accident occur, you have significant business assets to protect and potentially complex issues of liability. Without adequate and appropriate insurance coverage for your business vehicles, you put everything at risk.
As a business owner, even minor traffic accidents or breakdowns can cause major hassles in keeping your operations running smoothly. So, you need the responsiveness and reliability of a commercial vehicle insurance specialist that understands the critical nature of getting your vehicles back on the road.
Just like personal auto insurance, state requirements vary when it comes to education, licensing and even Small Business Auto coverages. Most states mandate minimum levels of financial responsibility in the case of accident or other loss.
Protecting Your Business Assets
Any accident that causes injury, loss of life, or damage to property could potentially land you in litigation or bankruptcy. Small Business Auto Insurance protects your business assets and reduces your exposure to liability.
Small Business Auto Insurance reflects the significant investment you've made in your company vehicles. If you end up with a totaled truck, you don't want to be left making payments to the bank! Small Business Auto Insurance is there to mitigate that risk.
Vehicles for Business Use are Not the Same as Personal Autos
When an employee gets behind the wheel of a company car, the potential liability in the event of an accident is very different from a car that is for personal use only. Passenger autos as well as the specialized trucks, vans and other rigs you use in your business activities carry different safety risks, associated costs, and consequently require specific insurance coverages to protect your business in the case of loss. Small Business Auto Insurance policies reflect these unique needs with specialized coverages and features.
Selecting the Right Coverage for Your Business
Selecting the best fitting coverage for your company cars and trucks means finding the right balance of coverage options, liability limits, deductibles and services that makes sense for your business. That equation should take into account:
Where to start when selecting commercial vehicle coverages?
The best way to start is with a trained commercial vehicle insurance expert. Whether you're looking to insure a fleet of company cars, or larger commercial trucks like flat-bed trucks, refrigerator trucks, box trucks or light-to-medium duty trucks, trained National General Insurance experts have the experience to help you make critical coverage selections.
Lower Your Commercial Vehicle Insurance Premiums
To get the best possible commercial vehicle insurance rates:
Company Cars vs. Personal Autos
If you think your personal auto insurance has you covered for your company car – think again. In many instances, if an accident takes place while a vehicle is being used for business purposes, a personal auto insurance policy won’t cover the losses.
Commercial vehicle insurance is specifically designed to protect you, your company vehicles and your employees while on the road and at job sites.
Here are some other compelling reasons to have a commercial policy for your business vehicles:
Safety Tips for Business Owners
1. How do I know if you cover my sort of business?
We can help with the specialty auto and commercial vehicle insurance to a wide range of sole proprietorships, partnerships, small businesses, corporations, – if you have trucks, vans and cars you depend on for your livelihood – with only a few exceptions – we probably have your business and your vehicles covered.
2. Can I get your commercial vehicle insurance in my state?
Today, we represent insurance companies that offer exceptional coverages at affordable rates in the following states:
3. What vehicle types do you specifically cover?
4. What discounts are available?
At TJC Insurance we offer several discounts to our commercial vehicle insurance customers. You can enjoy:
Now from Nationwide insurance
If you’re thinking of buying or renting a townhouse or condominium, there are some important differences between the two that you should know about. To help you decide between a condo or townhouse, we’ve provided definitions and put together a comprehensive comparison to help you make an informed decision, before you buy.
Let’s start with condo and townhouse definitions.
What is a condominium?
A condominium, or condo, is a building or community of buildings in which units are owned by individuals, rather than a landlord.
What is a townhome?
A townhome is defined as conjoined units that are owned by individual tenants. They are architecturally similar to row houses in that owners usually share at least one or more walls.
Now that we have the definitions of townhomes and condos, let’s look at some of the factors you should consider when picking between the two. Below is a side by side comparison to help you make an informed decision.
Townhouse vs. Condo
Condo owners only own the interior of their unit. All other areas, including the building exterior, lawn and communal areas, are property of the Homeowners Association (HOA). In most townhome communities, owners own their unit’s interior and exterior, including the roof, lawn and driveway, but not the communal areas.
Condos come in many different styles. They may be part of a large high rise, a cul-de-sac of cottages or anything in between.
Townhomes are designed in rows, so tenants usually share at least one wall. It’s common for townhomes to have two or more stories.
Condominiums often have a community focus with a club house, pool, golf course and/or similar amenity.
Some townhouse communities offer the same types of amenities as condos, but others are more private.
Homeowners Association Fees
HOA fees for condos are typically higher than townhouses because they pay for exterior upkeep, such as lawn care, trash removal and pest control.
Townhouse owners pay lower monthly HOA fees because they pay for much of their own upkeep. Certain types of maintenance and trash removal are still handled by the HOA.
Home Insurance Rates
Home insurance rates are usually lower for condos because owners have to insure only the interior of their unit.
Townhouses may have higher home insurance rates, since most owners need insurance that covers both the exterior and interior.
Although condos come in many sizes and styles, they are generally smaller than townhomes.
Townhomes can be quite large and often feature multiple stories.
Condo owners often pay higher monthly maintenance fees, which go toward exterior and community space repairs.
As with HOA fees, townhome owners typically have lower monthly maintenance fees, but pay more out of pocket for exterior and interior care.
Depending on the style, condos could be private, individual homes or apartment-style units.
Townhomes share one to two walls with neighboring units, but don’t have units above or below them.
If you’re also considering co-ops, take our Condo vs. Co-op quiz and see which is right for you. And when it comes to deciding on location, take a look at our latest health of housing markets report to find out which U.S. metro areas are healthiest.
Remember, whether you choose a condo or a townhouse, Nationwide has you covered. Learn more about insurance options for condos and townhomes today or call us at 540-319-4229.
Now from Nationwide insurance
Making big decisions about where and how you live isn’t always easy. Your space needs to meet your needs and remain comfortable for you for the unforeseeable future. However, you may find yourself having too much space — and it isn’t comfortable or convenient. In fact, 60% of Americans living in a 2,000-square-foot home said they’d like to downsize their living space, according to Trulia. That’s why finding the right apartment with less space might actually improve your quality of life.
For many, an apartment is the right size. However, deciding to downsize into an apartment requires some careful evaluation, especially as you’re considering how your lifestyle may change when you’re living in a smaller space. If you’re thinking about downsizing to an apartment, consider the following seven benefits of making the switch.
1. Less Upkeep
A major benefit for most people when downsizing from a house to an apartment is less maintenance. There are fewer indoor chores to manage with less surface area to dust and smaller floors to sweep. Plus, there’s usually no outdoor maintenance since landlords or the apartment’s maintenance crews will handle removing snow, landscaping and mowing the lawn. If you rent an apartment, it’s also likely that you won’t incur maintenance or repair costs for your appliances, furnace or air conditioning units.
2. Use Fewer Natural Resources
In addition to having fewer maintenance requirements, apartment living can be “greener” than living in a house, too. There’s no large lawn or garden you’re responsible for watering. If you move to an apartment in an urban area, it’s easier to walk or bike to nearby entertainment, and you’ll likely have better access to public transportation.
3. Meet New People
When downsizing to an apartment, there’s ample opportunity to meet new people and try new activities. Playing a hand of cards or going for a walk with the neighbors is easy and convenient to do in an apartment compared to a more isolated lifestyle in a country home, for example.
4. Avoid Unnecessary Purchases
Apartment dwellers are less likely to make impulse buys because they simply lack the space to store extra items. With a small space, you make purposeful decoration choices and only purchase what’s needed rather than what appeals to you on a showroom floor.
5. Pass Down Family Heirlooms
Downsizing your home means downsizing your belongings. It provides a good opportunity to pass family heirlooms down to younger generations. You get to see the appreciation your grandson has when he gets your old baseball card collection, for example.
6. A Fresh Start
Switching from a large home to an apartment often gives people a new outlook on life, especially if it’s your first time living in an apartment. The apartment represents a new beginning without home burdens such as high property tax payments and larger mortgage or rent payments, depending on the location of the apartment. It can feel liberating to start a new life chapter, and it may inspire you to make other freeing decisions, too.
7. Reduce Your Monthly Bills
If you’re able to find a good deal, an apartment usually offers lower monthly utilities than a home. You’ll use less electricity, heat and water in an apartment, and some monthly bills may be eliminated altogether. For instance, the monthly cost to rent a water softener to manage hard water is unlikely inside an apartment. Some of your utility costs may be included in your rent, too, such as your waste management or water bill.
After downsizing you have less clutter, but you’ll still have things worth protecting. See what renters insurance covers to help make sure your new smaller home and belongings are protected.
Homeowners should consider doing what they can to protect their home and property from hurricanes and tropical storms. Policyholders can take the following steps in preparation for hurricane season or when a storm is approaching:
During this hurricane season, Nationwide’s claim representatives and agents are prepared to help our members. Homeowners’ and auto policyholders can call the company’s claims hotline, which is available 24 hours a day, seven days a week – 1-800-421-3535. They can also file claims at Nationwide’s online claim center.
Nationwide YourLife Simplified
Nationwide YourLife® Simplified is a whole life insurance policy. It offers permanent life insurance protection, providing lifetime coverage, as long as premium is paid when it's due.
Key Product Features:
Who Is Eligible?
This policy is for existing and new Nationwide auto and homeowner insurance customers seeking small specified amount permanent life insurance. Additionally, the following individuals related to the Named Insured are also eligible:
We design customized insurance plans to protect your commercial assets.
Lower Insurance Rates?
Paying less for insurance doesn’t mean you have to sacrifice coverage or quality of service. TJC Insurance works with many insurance carriers to ensure you get the best possible rate for exactly the right coverage.
Each budget is unique, our solutions are too.
WHAT WE DO
TJC offers a wide range of products including property, casualty, auto, garage and personal lines. TJC is committed to quality service for our clients. TJC writes business in North Carolina, South Carolina, Virginia, West Virginia, Pennsylvania, Georgia, Maryland and Florida.
COMMERCIAL PROPERTY INSURANCE PRODUCTS
TJC Insurance offers a wide variety of Commercial Property Insurance Products through our various markets. We have access to both Admitted & Non-admitted Great Carriers.
Building – Wind, Coastal Wind, Vacant, All protection classes
Business Personal Property
Miscellaneous Property Floaters
Commercial Casualty Insurance Products
TJC offers a wide variety of Commercial Casualty Insurance Products through our various and great markets. We have a variety of limits, coverages and benefits available.
We can write over 1,000 ISO Classes. We say YES when other say NO!
TJC writes Artisan Contractors, General Contractors and Primary limits up to 5,000,000/5,000,000 (on certain classes)
Excess & Umbrellas
Up to $10,000,000 excess limits
Stand alone or packaged
Including Bars, Taverns and Restaurants.
Short term & Annual Policies Available
TOP CLASSES THAT TJC WRITES
A/C Systems or Equipment
Alarms and Alarm Systems
Appliances – installation, service or repair
Automobile Repair or Service Shops
Beauty Parlors and Hair Styling Salons
Buildings or Premises (Lessor’s risk only)
Carpet, Rug, Furniture or Upholstery Cleaning
Ceiling or Wall Installation
Churches or Other Houses of Worship
Cleaning or Washing by Pressure Apparatus
Communication Equipment Installation
Contractors – subcontracted work
Day Care Center
Door, Window or Assembled Millwork
Driveway, Parking Area or Sidewalk
Dry Wall or Wallboard Installation
Dwellings – Lessor’s risk only
Electrical Apparatus – installation, servicing or repair
Fence Erection Contractors
Fire Suppression Systems
Floor Covering Installation
Garbage, Ash or Refuse Collecting
Grading of Land
Heating or Heating and A/C Systems or Equipment
Lawn Care Services
Machinery or Equipment – installation, service or repair
Machinery or Equipment Dealers
Mobile Home Parks or Courts
Mobile Home Setup
Plastering or Stucco Work
Prefabricated Building Erection
Sales or Service Organizations
Septic Tank Systems
Sheet Metal Work
Sporting Goods or Athletic Equipment Sales
Telecommunication Service Providers
Telephone, Telegraph or Cable TV Line Construction
Tile, Stone, Marble, Mosaic or Terrazzo Work
Tree Pruning, Dusting, Spraying, or Trimming
Wrecking – buildings or structures
Virginia Auto Insurance
You can get cheap car insurance rates that meet Virginia's state minimum requirements and have good benefits too. The vehicle you drive is one of the biggest factors when computing your rate, but the rate has more to do with your claims record than with how fast your car can go. If a lot of younger drivers, who have accidents drive the same car model, then it will be assigned a rate that is more expensive than its peers.
How do I find the cheapest car insurance in Virginia?
First of all, Virginia car insurance rates can vary depending on your driving record, the type of vehicle you drive and the amount of coverage you choose. There are many factors that could influence your car insurance rate, but it’s not impossible to find customized payment options that can help make auto insurance more affordable!
Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:
How often should you compare car insurance quotes to find the lowest premiums?
At least once a year or at these times, when your rates are most likely to change dramatically:
Minor violations will factor into your insurance rate for three years, while major violations can impact your premium for five years. But as time passes from the date of the infraction or claim, the better for you!
While most of us think of 25 as the magic number, the truth is that as long as the young driver keeps a clean record, most companies will drop rates a little bit every year before then.
You Get Married
The insurance companies love statistics, and data show that married drivers are involved in fewer accidents and tend to obey more the traffic laws. The savings will come as you combine policies and get multi-car discount. Savings can be between a 10 to 12 percent.
You buy a house
The insurance companies consider homeowners more stable than renters, so in most cases they will discount your rate, regardless of whether you insure your home with them or not; you just need to show them the proof of being a homeowner. The discount could be between 3 to 5 percent. Additional savings come from buying your home and auto insurance from the same company. This discount could be between 10 to 40 percent.
Welcome to Winchester Virginia
Beside of your own driving record, few things have more impact on your auto insurance than your ZIP code. Less population typically means fewer accidents!
En North Carolina es fácil ajustar sus beneficios en el Seguro de auto para así tener más opciones que se ajusten a su presupuesto.
Su Seguro de Auto en North Carolina debe tener
Cobertura de responsabilidad legal
Como residente de North Carolina, hay dos tipos de cobertura de responsabilidad que su póliza de seguro debe incluir: daños a la propiedad y lesiones corporales.
Coberturas en Seguro de Auto en North Carolina
A menudo es una buena idea agregar las siguientes coberturas a su poliza para que pueda disfrutar de la seguridad de estar protegido en la carretera:
Seguro de auto de cobertura total
Este tipo de cobertura de seguro de auto de North Carolina se usa para reparar su vehículo cuando ocurre un daño físico debido a incidentes que no están relacionados con la colisión con otro auto. Dichos incidentes incluyen robo, incendio, vandalismo, rotura de cristales y contacto con animales.
La cobertura de colisión se usa para reparar su vehículo cuando ocurre un daño físico por colisión con otro vehículo u objeto.
Conductor sin seguro / con seguro insuficiente
Lo protege en caso de un accidente en el que la otra parte es culpable y no tiene seguro o las coberturas son insuficientes.
Puede pagar los gastos médicos necesarios o los costos del funeral para usted u otras personas cubiertas por la póliza, sin importar quién tenga la culpa.
Modifique su póliza con estas opciones
Perdón de Accidentes
Con esta cobertura opcional, una de nuestras compañías de seguro, Nationwide Insurance, no aumentará su pago mensual de seguro de auto después de su primer accidente de auto donde usted sea culpable.
Asistencia en carretera
La cobertura de asistencia en carretera típicamente está disponible en dos diferentes niveles, básico y el Plus, para que usted pueda elegir el que mejor se adapte a su presupuesto. Obtenga cobertura para la entrega de gasolina, si sus llaves quedan atrapadas dentro del auto, o si su auto se queda sin batería.
Perdida de uso
Si no puede conducir su auto debido a una pérdida cubierta, esta cobertura le ayuda a pagar el alquiler de un automóvil u otros gastos de transporte para que pueda regresar a la carretera.
Small Business Auto Coverages
If you’re in business – almost any kind of business – we can help you with your commercial vehicle insurance needs. With customers in a wide range of industries, we take care of commercial auto insurance from long-established corporations and startups to sole proprietors and partnerships. We have insurance companies that offer the state-mandated coverages you need along with a host of discounts, special services and features designed for insuring commercial vehicles.
Commercial auto insurance cost
Finding cheap commercial auto insurance is often a priority for small business owners. Although there are ways to save money.
Small Business Coverages include:
Commercial Vehicle types covered include:
Small Business Auto Insurance is currently available in the following states:
How is the cost of workers’ compensation insurance determined?
Similar businesses in each state, that exhibit comparable workplace injury patterns and costs, are grouped into “classes.” Rates are determined for each class based on the prior five years of loss costs for all businesses within that class. This provides an equitable system where rates are charged commensurate with the actual loss experience of the class of business. Economic factors for each state are then overlaid onto this data to determine the rate for each class in each state.
A system called “experience rating” allows for modification of the class rates based on the loss history of an individual business. This system provides business owners a significant amount of control over the cost of their workers’ compensation premium – safe businesses are rewarded with lower premiums and unsafe businesses are penalized with higher premiums.
Who is required to carry workers’ compensation insurance?
All states, with a small number of exceptions, require businesses with employees who are not owners, to purchased workers’ compensation coverage for those employees.
Businesses that fail to provide workers’ compensation coverage can face severe and costly repercussions including payment of claims out of pocket, fines and possible imprisonment, as well as possibly losing the right to conduct business in the state.
We can help you to get a full complement of products designed for small businesses. With over 20 years of combined experience as a Workers' Compensation specialist, we have established the track record and expertise to bring added value to your policy.
Is Homeowners Insurance Tax Deductible?
If your home is used solely for your personal residence, then your homeowners insurance is not tax deductible. According to the Internal Revenue Service, only private mortgage insurance can be deducted – and this does not apply to a homeowners policy.
However, there are exceptions. Here are some instances to consider that could, in fact, make your homeowners insurance tax deductible.
The personal liability coverage within your homeowners insurance will typically cover a dog bite, up to the liability limits of the policy. The medical payments portion of your policy may also help to cover medical expenses associated with injuries sustained by the individual. However, coverage could depend on the breed of your dog or if your dog has a previous bite history. Check with your insurance provider to see if there are any breeds that are excluded from coverage.
There are many things to think about when doing business today, and among the most important are the amounts and types of insurance to carry in order to protect adequately your small business. Without proper protection, your small business could be subject to financial ruin because of a property loss or a lawsuit resulting from your business activities.
How Much Virginia Commercial Liability Insurance Should You Carry?
Each situation is unique; the type of Virginia business you operate or products you offer should determine how much Virginia commercial general liability insurance you need. A good rule of thumb for most small businesses is between $500,000 and $1 million. However, if yours is a high-risk business or has a high volume of interaction with the public such as a restaurant or retail business, you should consider increasing your coverage.
Si usted ya tiene su negocio, lo más difícil usted ya lo ha logrado. En cuanto a asegurar su negocio, nosotros podemos ayudarle a encontrar la póliza que usted necesita.
Claro, para poder ofrecerle a usted el mismo nivel de servicio y calidad que nuestros clientes están acostumbrados, necesito MAN POWER o en mi caso MUJERES AL PODER.
Me explico… cada negocio es diferente. En el caso de su servidor, Angel Latimer, o como muchos me conocen Don Angel, conmigo trabajan 4 excelentes mujeres luchadoras. 4 compañeras que dan el todo por mí y nuestros clientes.
La realidad es que, para poder lograr ayudarle con la compañía correcta, los beneficios que usted busca y al mejor precio posible, se necesita tiempo. Necesitamos conocer su situación, negocio, características únicas de cada persona, empleados y/o estado donde usted vive.
En otras palabras, conlleva mucha investigación.
Es aquí donde nuestra agencia de seguro se distingue. Somos diferentes a los demás. No solo porque nos tomamos el tiempo de investigar, si no también porque nos preocupamos por usted, su familia y su negocio.
¡Le animo a que lo compruebe por usted mismo!
¿Como podemos ayudarle en proteger su negocio?
BUSINESS OWNERS POLICY
Las pólizas de seguro de negocios que ofrecemos están diseñadas para ser simples. Ofrecemos la protección que usted necesita a un precio razonable.
Nosotros también somos dueños de un pequeño negocio como usted, así que podemos recomendarle coberturas que se ajusten a sus necesidades en su negocio. Podemos y queremos ayudarle a proteger el negocio que USTED ha trabajado duro para construir.
Si usted desea que sus propias pérdidas esten cubiertas, así como las pérdidas de sus clientes, no compre un “General Liability Policy”.
Esta póliza de responsabilidad general no le protege cuando se trata de su propia propiedad. Si desea proteger su propia propiedad, considere la posibilidad de comprar una Póliza de Dueño de Negocios, o como lo conocemos un “BOP” o “Business owners Policy”.
“Business Owners Policy” (BOP) es un seguro mejorado que combina un seguro de responsabilidad general y seguro de propiedad.
La Póliza de Dueño de Negocios (BOP) cubre
• Cobertura que protege su negocio de reclamaciones de otras personas o compañías, reclamando algún daño por lesiones corporales, gastos médicos y daños a su propiedad.
• Cobertura para su Propiedad – su propiedad dentro de su negocio y/o equipos de negocio o herramientas que usted usa y necesita para completar su trabajo. Incluye daños accidentales.
Usted debe considerar un “BOP” o póliza de dueño de negocios si usted
• Necesita un seguro de “General Liability”.
• Si usted utiliza en su negocio: computadoras, impresoras y muebles.
• Posee el edificio en el que trabaja y necesita asegurar la propiedad.
• Posee y trabaja con grandes cantidades de datos regularmente.
• Tiene empleados que puedan robar la propiedad de usted o sus clientes.
Beneficios que usted puede obtener en una póliza de dueño de negocios (BOP)
Dependiendo de las necesidades específicas de su negocio, puede elegir opciones como:
• Seguro y cobertura sobre fuego e interrupción del negocio.
• Seguro y cobertura de pérdida de datos.
• Seguro de responsabilidad en vehículos rentados o que usted no es el dueño. Ejemplo: El vehículo de algún empleado
• Seguro y cobertura contra robo de sus empleados.
Que NO CUBRE el seguro de dueño de negocios (BOP)
Los Servicios Profesionales. Por ejemplo:
• Ciertas reclamaciones derivadas de servicios profesionales que usted realice.
• Daños al cliente si usted proporciona un consejo inexacto o un error de omisión a un cliente.
Para proteger su negocio de este tipo de reclamaciones o riesgo es necesario una póliza de seguro de Responsabilidad Profesional.
¿Estás listo(a)? En TJC Insurance le podamos ayudar a proteger su negocio.
Llámenos al (540) 319-4229 o escribamos mediante presionando aquí.
¡Los precios de seguro de autos aumentarán en 2017!
Estoy seguro que usted, que quizás no ha tenido reclamaciones en los pasados 3 años, se sentirá furioso ante los aumentos. Quizás se pregunte qué hay detrás de los cambios.
Dinero pues claro… para la compañía de seguro por supuesto. Pero también existen otras razones. Varias tendencias influyen en la forma en que se establecen los precios de los seguros de autos.
Estos son algunos de los factores generales que tienen mayor impacto en cómo se calculan las tarifas:
Las millas en la calle están aumentando: Según AAA, los estadounidenses están pasando más tiempo en las carreteras. Conducir más millas aumenta la probabilidad de que los conductores tengan un accidente.
Mas Asegurados están haciendo reclamaciones: El porcentaje de clientes que reclaman daños a la propiedad y reclamaciones por una colisión continúa aumentando, así como las cantidades pagadas por las compañías de seguros por daños a la propiedad, daños por colisión a vehículos y personas heridas.
Los costos médicos están aumentando: las primas del seguro de salud y los costos médicos han aumentado a un ritmo acelerado en los Estados Unidos. Estos aumentos se trasladan a los costos que las compañías de seguro de autos incurren cuando los conductores y pasajeros resultan heridos en un accidente de autos.
Los modelos más nuevos cuestan más para reparar: Es más caro reparar autos nuevos que tienen equipos y tecnología más innovadora. Aquellos que hacen los arreglos en el Taller necesitan más entrenamiento, mientras que el propio Taller necesita equipo de diagnóstico apropiado. Este dinero se pasa a los consumidores, las compañías de seguro de autos, a usted y a mi.
Por supuesto, cada cliente puede tener un aumento en sus pagos mensuales por razones específicas. Éstas son algunas:
Tickets y accidentes culpables: Su récord de manejo tiene un impacto en el pago mensual. Los accidentes y las infracciones de tráfico con puntos adjudicados pueden afectar su precio. ¡Un ticket nuevo, su pago aumentara!
Cambios en su vida: Un cambio de dirección a otro código postal donde los precios son diferentes debido al historial de reclamaciones del área afectará su prima. Comprar un auto nuevo también probablemente causará un cambio en sus pagos mensuales. Sus pagos mensuales también podrían aumentar si cambia los términos de la póliza, como aumentar la cantidad de cobertura o disminuir o aumentar su deducible en la cobertura “Full cover”.
La mejor manera que usted puede mantener sus pagos mensuales bajos, es manteniendo su récord de manejo sin tickets o accidentes culpables. Entre mejor su récord, mejores beneficios usted tendrá en su póliza de seguro de autos. Hable con su Agente de Seguro para asegurarse de que usted tiene la mejor cobertura para su situación.
Descubre tus beneficios.
In the final installment of our Motorcycling 101 series, we’ll help ease the confusion. Review this motorcycle-buying guide to become a confident, informed shopper and rider. Find out what type of bike is right for you.
Wellness coverage for your dog is available on its own or as part of a complete coverage plan. It's a way you can show your pup love!
If you’re a pet owner, make sure you have a plan in place to protect your pet’s health and safety. Learn more about the benefits of pet insurance.
Do you really need renters insurance?
68 percent of all young adult renters say they stand to lose more than an estimated $5,000 worth of belongings should an unfortunate event occur. If you value your belongings, renters insurance is something you should certainly consider. Fire and theft are two of the biggest fears among renters – both are covered by renters insurance. If your belongings are damaged or destroyed in a fire or if they are stolen, renters insurance may help replace your belongings. Two in five renters didn’t realize that renters insurance also covers stolen property.
Is renters insurance worth it?
When you consider that renters share many of the same risks as homeowners, the choice becomes that much easier: renters insurance is worthwhile, and it should be on your radar.
A Win-Win Situation
This study suggests a chain of positive events—workplaces give employees the opportunity to do their best; employees thus experience success and recognition, cultivate self-efficacy, engage in healthy lifestyles, and ultimately reduce their risk for chronic diseases. The positive health outcome is in addition to previously known benefits of skill utilization, such as high job satisfaction, better mental health, low turnover, and high productivity. What a win-win situation for both employees and employers!
To create such a situation, supervisors need to identify the valuable skills each employee has. This should not be limited to technical skills for a particular job. For example, social and interpersonal skills, emotional capacity, organizing skills, and problem-solving abilities are all important for a well-functioning workplace. Once supervisors identify these skills, they can facilitate the best use of them, develop them further, and then recognize employees for jobs well done. These are all good, well-established management strategies. The new twist is that these strategies may have health benefits, too.
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